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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 | $102,770 | $100,073+2.7% | $85,126+20.7% | $145,877-29.6% |
| Participation rate | 50.0% | 74.1%-24.1pp | 67.5%-17.5pp | 80.3%-30.3pp |
| Annual return | 9.89% | 84.11%-74.2pp | 66.63%-56.7pp | 551.28%-541.4pp |
| Employer contribution / active EE | $1,940 | $3,236-40.1% | $2,731-29.0% | $4,663-58.4% |
| Participant deferral / active EE | $4,210 | $5,294-20.5% | $4,523-6.9% | $6,691-37.1% |
| Admin fee / account holder | $12,211 | $7,261+68.2% | $6,160+98.2% | $13,402-8.9% |