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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 | $78,927 | $95,383-17.3% | $185,837-57.5% | $85,856-8.1% |
| Participation rate | 69.2% | 68.8%+0.5pp | 81.7%-12.5pp | 69.3%-0.1pp |
| Annual return | 12.16% | 23.59%-11.4pp | 122.08%-109.9pp | 318.58%-306.4pp |
| Employer contribution / active EE | $2,052 | $3,313-38.1% | $5,168-60.3% | $2,565-20.0% |
| Participant deferral / active EE | $2,996 | $3,423-12.5% | $5,568-46.2% | $3,952-24.2% |
| Admin fee / account holder | $2,979 | $7,213-58.7% | $16,241-81.7% | $6,261-52.4% |