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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 | $94,828 | $97,125-2.4% | $86,233+10.0% | $137,256-30.9% |
| Participation rate | 65.2% | 74.2%-9.0pp | 69.0%-3.8pp | 80.0%-14.7pp |
| Annual return | 17.32% | 74.19%-56.9pp | 61.39%-44.1pp | 220.34%-203.0pp |
| Employer contribution / active EE | $1,303 | $2,841-54.1% | $2,504-48.0% | $4,156-68.6% |
| Participant deferral / active EE | $3,408 | $5,180-34.2% | $4,559-25.3% | $6,407-46.8% |
| Admin fee / account holder | $2,334 | $9,725-76.0% | $8,342-72.0% | $12,270-81.0% |