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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 | $114,402 | $56,134+103.8% | $96,171+19.0% | $85,847+33.3% |
| Participation rate | 44.2% | 56.7%-12.5pp | 68.4%-24.2pp | 69.3%-25.1pp |
| Annual return | 13.76% | 42.30%-28.5pp | 192.04%-178.3pp | 318.61%-304.8pp |
| Employer contribution / active EE | $0 | $1,620-100.0% | $2,799-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,301 | $2,858-19.5% | $4,350-47.1% | $3,952-41.8% |
| Admin fee / account holder | $46,864 | $3,769+1143.4% | $5,538+746.2% | $6,261+648.5% |