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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 | $98,321 | $106,247-7.5% | $96,515+1.9% | $139,466-29.5% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 19.94% | 38.47%-18.5pp | 35.73%-15.8pp | 373.66%-353.7pp |
| Employer contribution / active EE | $1,754 | $4,106-57.3% | $3,740-53.1% | $4,754-63.1% |
| Participant deferral / active EE | $17,500 | $5,456+220.8% | $4,880+258.6% | $6,712+160.7% |
| Admin fee / account holder | $399 | $7,885-94.9% | $6,735-94.1% | $11,409-96.5% |