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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $72,012 | $178,174-59.6% | $156,181-53.9% | $137,256-47.5% |
| Participation rate | 53.8% | 82.0%-28.2pp | 78.8%-25.0pp | 80.0%-26.1pp |
| Annual return | 15.98% | 84.19%-68.2pp | 64.87%-48.9pp | 220.34%-204.4pp |
| Employer contribution / active EE | $1,207 | $4,972-75.7% | $4,294-71.9% | $4,156-71.0% |
| Participant deferral / active EE | $6,555 | $6,888-4.8% | $6,132+6.9% | $6,407+2.3% |
| Admin fee / account holder | $11,319 | $17,404-35.0% | $14,586-22.4% | $12,270-7.8% |