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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 | $48,693 | $114,119-57.3% | $107,187-54.6% | $138,895-64.9% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 79.9%-13.3pp |
| Annual return | 22.00% | 273.21%-251.2pp | 204.55%-182.5pp | 145.39%-123.4pp |
| Employer contribution / active EE | $4,044 | $4,059-0.4% | $3,782+6.9% | $4,194-3.6% |
| Participant deferral / active EE | $8,642 | $5,538+56.0% | $5,096+69.6% | $6,396+35.1% |
| Admin fee / account holder | $2,181 | $10,024-78.2% | $9,162-76.2% | $12,562-82.6% |