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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 | $39,601 | $106,267-62.7% | $96,520-59.0% | $139,456-71.6% |
| Participation rate | 69.6% | 77.8%-8.3pp | 74.3%-4.8pp | 80.3%-10.8pp |
| Annual return | 15.17% | 38.45%-23.3pp | 35.72%-20.5pp | 373.45%-358.3pp |
| Employer contribution / active EE | $2,254 | $4,105-45.1% | $3,739-39.7% | $4,753-52.6% |
| Participant deferral / active EE | $4,931 | $5,454-9.6% | $4,879+1.1% | $6,711-26.5% |
| Admin fee / account holder | $1,726 | $7,882-78.1% | $6,733-74.4% | $11,407-84.9% |