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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 | $102,069 | $93,346+9.3% | $71,796+42.2% | $273,972-62.7% |
| Participation rate | 61.1% | 76.5%-15.4pp | 69.1%-8.0pp | 83.0%-21.9pp |
| Annual return | 4.58% | 130.39%-125.8pp | 78.04%-73.5pp | 41.46%-36.9pp |
| Employer contribution / active EE | $1,394 | $2,733-49.0% | $1,924-27.6% | $4,869-71.4% |
| Participant deferral / active EE | $3,923 | $3,475+12.9% | $2,794+40.4% | $5,287-25.8% |
| Admin fee / account holder | $1,964 | $6,571-70.1% | $4,815-59.2% | $10,133-80.6% |