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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 | $93,289 | $209,336-55.4% | $197,124-52.7% | $137,256-32.0% |
| Participation rate | 37.5% | 87.3%-49.8pp | 86.7%-49.2pp | 80.0%-42.5pp |
| Annual return | 52.57% | 48.09%+4.5pp | 44.34%+8.2pp | 220.34%-167.8pp |
| Employer contribution / active EE | $1,362 | $6,591-79.3% | $6,227-78.1% | $4,156-67.2% |
| Participant deferral / active EE | $3,112 | $9,614-67.6% | $9,135-65.9% | $6,407-51.4% |
| Admin fee / account holder | $6,511 | $17,308-62.4% | $16,298-60.0% | $12,270-46.9% |