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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 | $147,374 | $73,863+99.5% | $143,797+2.5% | $68,490+115.2% |
| Participation rate | 69.0% | 66.7%+2.3pp | 80.3%-11.4pp | 67.9%+1.1pp |
| Annual return | -13.23% | 0.91%-14.1pp | -0.04%-13.2pp | -7.85%-5.4pp |
| Employer contribution / active EE | $5,385 | $3,185+69.1% | $4,952+8.7% | $2,597+107.4% |
| Participant deferral / active EE | $5,775 | $3,385+70.6% | $5,638+2.4% | $4,028+43.4% |
| Admin fee / account holder | $11,150 | $5,756+93.7% | $14,679-24.0% | $5,403+106.4% |