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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 | $96,707 | $50,082+93.1% | $93,515+3.4% | $79,856+21.1% |
| Participation rate | 60.3% | 60.9%-0.6pp | 66.8%-6.5pp | 69.6%-9.3pp |
| Annual return | 15.10% | 24.59%-9.5pp | 78.21%-63.1pp | 31.71%-16.6pp |
| Employer contribution / active EE | $1,839 | $1,303+41.1% | $2,077-11.5% | $2,471-25.6% |
| Participant deferral / active EE | $4,190 | $2,212+89.4% | $3,129+33.9% | $3,741+12.0% |
| Admin fee / account holder | $1,731 | $3,454-49.9% | $5,235-66.9% | $5,306-67.4% |