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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 | $86,183 | $115,225-25.2% | $100,712-14.4% | $138,895-38.0% |
| Participation rate | 57.1% | 74.3%-17.2pp | 69.3%-12.1pp | 79.9%-22.8pp |
| Annual return | 17.13% | 40.35%-23.2pp | 33.27%-16.1pp | 145.39%-128.3pp |
| Employer contribution / active EE | $1,616 | $2,771-41.7% | $2,313-30.1% | $4,194-61.5% |
| Participant deferral / active EE | $6,821 | $4,699+45.2% | $4,085+67.0% | $6,396+6.6% |
| Admin fee / account holder | $5,031 | $10,844-53.6% | $9,256-45.6% | $12,562-59.9% |