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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 | $36,321 | $162,136-77.6% | $152,301-76.2% | $154,746-76.5% |
| Participation rate | 60.0% | 84.1%-24.1pp | 82.4%-22.4pp | 80.7%-20.7pp |
| Annual return | 18.06% | 91.02%-73.0pp | 80.50%-62.4pp | 172.34%-154.3pp |
| Employer contribution / active EE | $1,806 | $4,890-63.1% | $4,624-60.9% | $4,379-58.8% |
| Participant deferral / active EE | $3,022 | $8,341-63.8% | $8,004-62.2% | $6,730-55.1% |
| Admin fee / account holder | $1,094 | $15,759-93.1% | $14,398-92.4% | $14,365-92.4% |