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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 | $108,473 | $185,312-41.5% | $161,489-32.8% | $154,746-29.9% |
| Participation rate | 60.0% | 82.5%-22.5pp | 78.7%-18.7pp | 80.7%-20.7pp |
| Annual return | 16.86% | 103.84%-87.0pp | 89.72%-72.9pp | 172.34%-155.5pp |
| Employer contribution / active EE | $1,560 | $4,769-67.3% | $4,268-63.4% | $4,379-64.4% |
| Participant deferral / active EE | $11,693 | $6,350+84.1% | $5,630+107.7% | $6,730+73.7% |
| Admin fee / account holder | $938 | $18,654-95.0% | $16,006-94.1% | $14,365-93.5% |