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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 | $60,927 | $162,136-62.4% | $152,301-60.0% | $154,746-60.6% |
| Participation rate | 68.8% | 84.1%-15.4pp | 82.4%-13.7pp | 80.7%-12.0pp |
| Annual return | 19.97% | 91.02%-71.1pp | 80.50%-60.5pp | 172.34%-152.4pp |
| Employer contribution / active EE | $2,902 | $4,890-40.7% | $4,624-37.3% | $4,379-33.7% |
| Participant deferral / active EE | $6,487 | $8,341-22.2% | $8,004-19.0% | $6,730-3.6% |
| Admin fee / account holder | $600 | $15,759-96.2% | $14,398-95.8% | $14,365-95.8% |