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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 | $137,208 | $106,247+29.1% | $96,515+42.2% | $139,466-1.6% |
| Participation rate | 46.7% | 77.8%-31.2pp | 74.3%-27.7pp | 80.3%-33.7pp |
| Annual return | 14.37% | 38.47%-24.1pp | 35.73%-21.4pp | 373.66%-359.3pp |
| Employer contribution / active EE | $1,164 | $4,106-71.6% | $3,740-68.9% | $4,754-75.5% |
| Participant deferral / active EE | $2,162 | $5,456-60.4% | $4,880-55.7% | $6,712-67.8% |
| Admin fee / account holder | $31,091 | $7,885+294.3% | $6,735+361.6% | $11,409+172.5% |