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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 | $65,193 | $59,813+9.0% | $79,580-18.1% | $68,486-4.8% |
| Participation rate | 60.0% | 61.1%-1.1pp | 69.5%-9.5pp | 67.9%-7.9pp |
| Annual return | 88.63% | -12.30%+100.9pp | 0.15%+88.5pp | -7.85%+96.5pp |
| Employer contribution / active EE | $942 | $1,505-37.4% | $2,413-61.0% | $2,597-63.7% |
| Participant deferral / active EE | $3,283 | $3,024+8.5% | $3,985-17.6% | $4,028-18.5% |
| Admin fee / account holder | $646 | $4,835-86.6% | $6,835-90.5% | $5,404-88.0% |