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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 | $63,830 | $58,828+8.5% | $78,002-18.2% | $62,881+1.5% |
| Participation rate | 57.4% | 71.1%-13.6pp | 75.5%-18.1pp | 69.3%-11.9pp |
| Annual return | 6.32% | 17.16%-10.8pp | 425.99%-419.7pp | 20.14%-13.8pp |
| Employer contribution / active EE | $1,335 | $1,672-20.2% | $2,470-46.0% | $2,281-41.5% |
| Participant deferral / active EE | $3,695 | $2,686+37.6% | $3,497+5.6% | $3,203+15.3% |
| Admin fee / account holder | $1,764 | $4,393-59.8% | $5,481-67.8% | $4,296-58.9% |