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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 | $158,025 | $201,264-21.5% | $184,185-14.2% | $145,978+8.3% |
| Participation rate | 54.5% | 87.5%-33.0pp | 86.8%-32.3pp | 80.3%-25.7pp |
| Annual return | 10.77% | 29.00%-18.2pp | 28.81%-18.0pp | 550.52%-539.8pp |
| Employer contribution / active EE | $0 | $7,021-100.0% | $6,426-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $3,982 | $9,806-59.4% | $9,132-56.4% | $6,690-40.5% |
| Admin fee / account holder | $11,283 | $16,376-31.1% | $13,909-18.9% | $13,400-15.8% |