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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 | $53,128 | $185,312-71.3% | $161,489-67.1% | $154,746-65.7% |
| Participation rate | 58.8% | 82.5%-23.6pp | 78.7%-19.9pp | 80.7%-21.9pp |
| Annual return | 21.61% | 103.84%-82.2pp | 89.72%-68.1pp | 172.34%-150.7pp |
| Employer contribution / active EE | $1,602 | $4,769-66.4% | $4,268-62.5% | $4,379-63.4% |
| Participant deferral / active EE | $5,448 | $6,350-14.2% | $5,630-3.2% | $6,730-19.0% |
| Admin fee / account holder | $1,882 | $18,654-89.9% | $16,006-88.2% | $14,365-86.9% |