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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 | $111,538 | $114,119-2.3% | $107,187+4.1% | $138,895-19.7% |
| Participation rate | 63.6% | 78.1%-14.4pp | 75.0%-11.4pp | 79.9%-16.3pp |
| Annual return | 15.60% | 273.21%-257.6pp | 204.55%-188.9pp | 145.39%-129.8pp |
| Employer contribution / active EE | $2,465 | $4,059-39.3% | $3,782-34.8% | $4,194-41.2% |
| Participant deferral / active EE | $9,478 | $5,538+71.2% | $5,096+86.0% | $6,396+48.2% |
| Admin fee / account holder | $12,401 | $10,024+23.7% | $9,162+35.3% | $12,562-1.3% |