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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 | $108,951 | $106,280+2.5% | $96,538+12.9% | $139,487-21.9% |
| Participation rate | 40.0% | 77.8%-37.8pp | 74.3%-34.3pp | 80.3%-40.3pp |
| Annual return | 20.60% | 38.48%-17.9pp | 35.74%-15.1pp | 373.84%-353.2pp |
| Employer contribution / active EE | $2,427 | $4,107-40.9% | $3,740-35.1% | $4,755-48.9% |
| Participant deferral / active EE | $5,497 | $5,457+0.7% | $4,880+12.6% | $6,713-18.1% |
| Admin fee / account holder | $870 | $7,888-89.0% | $6,737-87.1% | $11,407-92.4% |