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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 | $95,264 | $162,136-41.2% | $152,301-37.5% | $154,746-38.4% |
| Participation rate | 50.0% | 84.1%-34.1pp | 82.4%-32.4pp | 80.7%-30.7pp |
| Annual return | 20.97% | 91.02%-70.1pp | 80.50%-59.5pp | 172.34%-151.4pp |
| Employer contribution / active EE | $3,727 | $4,890-23.8% | $4,624-19.4% | $4,379-14.9% |
| Participant deferral / active EE | $7,356 | $8,341-11.8% | $8,004-8.1% | $6,730+9.3% |
| Admin fee / account holder | $796 | $15,759-94.9% | $14,398-94.5% | $14,365-94.5% |