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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 | $84,547 | $65,034+30.0% | $90,970-7.1% | $79,856+5.9% |
| Participation rate | 62.9% | 61.6%+1.2pp | 69.0%-6.2pp | 69.6%-6.8pp |
| Annual return | 11.89% | 30.45%-18.6pp | 134.60%-122.7pp | 31.71%-19.8pp |
| Employer contribution / active EE | $1,467 | $1,247+17.6% | $2,122-30.9% | $2,471-40.6% |
| Participant deferral / active EE | $3,331 | $2,512+32.6% | $3,373-1.2% | $3,741-11.0% |
| Admin fee / account holder | $3,969 | $4,536-12.5% | $5,961-33.4% | $5,306-25.2% |