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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 | $36,073 | $78,672-54.1% | $109,163-67.0% | $85,856-58.0% |
| Participation rate | 67.6% | 68.3%-0.7pp | 75.9%-8.3pp | 69.3%-1.8pp |
| Annual return | 12.09% | 25.09%-13.0pp | 25.75%-13.7pp | 318.58%-306.5pp |
| Employer contribution / active EE | $2,376 | $2,734-13.1% | $3,723-36.2% | $2,565-7.4% |
| Participant deferral / active EE | $3,230 | $3,467-6.9% | $4,654-30.6% | $3,952-18.3% |
| Admin fee / account holder | $2,320 | $5,470-57.6% | $6,754-65.6% | $6,261-62.9% |