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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 | $80,069 | $55,930+43.2% | $76,089+5.2% | $80,925-1.1% |
| Participation rate | 36.7% | 62.1%-25.3pp | 69.1%-32.4pp | 67.7%-30.9pp |
| Annual return | 15.50% | 20.58%-5.1pp | 360.94%-345.4pp | 35.65%-20.2pp |
| Employer contribution / active EE | $998 | $1,866-46.5% | $2,690-62.9% | $2,756-63.8% |
| Participant deferral / active EE | $1,899 | $3,051-37.7% | $4,259-55.4% | $4,299-55.8% |
| Admin fee / account holder | $4,547 | $5,241-13.2% | $6,418-29.2% | $6,940-34.5% |