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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 | $68,350 | $88,360-22.6% | $145,433-53.0% | $67,986+0.5% |
| Participation rate | 65.4% | 65.5%-0.1pp | 82.1%-16.7pp | 57.2%+8.2pp |
| Annual return | 19.09% | 63.15%-44.1pp | 66.58%-47.5pp | 31.67%-12.6pp |
| Employer contribution / active EE | $2,414 | $3,054-21.0% | $4,554-47.0% | $2,019+19.6% |
| Participant deferral / active EE | $4,050 | $5,932-31.7% | $7,897-48.7% | $3,358+20.6% |
| Admin fee / account holder | $1,299 | $3,313-60.8% | $13,129-90.1% | $3,203-59.5% |