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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 | $69,978 | $56,063+24.8% | $76,051-8.0% | $80,911-13.5% |
| Participation rate | 66.7% | 62.0%+4.6pp | 69.1%-2.4pp | 67.6%-1.0pp |
| Annual return | 20.23% | 20.54%-0.3pp | 360.42%-340.2pp | 35.63%-15.4pp |
| Employer contribution / active EE | $4,086 | $1,874+118.0% | $2,690+51.9% | $2,756+48.3% |
| Participant deferral / active EE | $5,774 | $3,052+89.2% | $4,257+35.6% | $4,297+34.4% |
| Admin fee / account holder | $1,410 | $5,240-73.1% | $6,416-78.0% | $6,935-79.7% |