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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 | $83,234 | $129,737-35.8% | $119,126-30.1% | $154,746-46.2% |
| Participation rate | 60.0% | 78.9%-18.9pp | 75.8%-15.8pp | 80.7%-20.7pp |
| Annual return | 19.41% | 379.08%-359.7pp | 282.11%-262.7pp | 172.34%-152.9pp |
| Employer contribution / active EE | $3,514 | $4,375-19.7% | $4,034-12.9% | $4,379-19.8% |
| Participant deferral / active EE | $7,828 | $5,842+34.0% | $5,318+47.2% | $6,730+16.3% |
| Admin fee / account holder | $2,728 | $11,961-77.2% | $10,693-74.5% | $14,365-81.0% |