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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 | $129,722 | $125,778+3.1% | $114,563+13.2% | $154,746-16.2% |
| Participation rate | 61.5% | 75.2%-13.7pp | 72.9%-11.4pp | 80.7%-19.2pp |
| Annual return | 16.84% | 295.14%-278.3pp | 241.09%-224.3pp | 172.34%-155.5pp |
| Employer contribution / active EE | $2,141 | $2,806-23.7% | $2,592-17.4% | $4,379-51.1% |
| Participant deferral / active EE | $4,126 | $4,445-7.2% | $4,142-0.4% | $6,730-38.7% |
| Admin fee / account holder | $27,377 | $8,190+234.3% | $7,623+259.1% | $14,365+90.6% |