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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 | $109,152 | $110,240-1.0% | $96,544+13.1% | $139,487-21.7% |
| Participation rate | 0.0% | 78.1%-78.1pp | 76.0%-76.0pp | 80.3%-80.3pp |
| Annual return | 16.20% | 26.41%-10.2pp | 25.88%-9.7pp | 373.84%-357.6pp |
| Employer contribution / active EE | $3,482 | $3,622-3.9% | $2,966+17.4% | $4,755-26.8% |
| Participant deferral / active EE | $27,038 | $5,549+387.3% | $4,851+457.3% | $6,713+302.8% |
| Admin fee / account holder | $1,226 | $11,602-89.4% | $8,254-85.1% | $11,407-89.2% |