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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 | $135,331 | $73,787+83.4% | $98,716+37.1% | $82,448+64.1% |
| Participation rate | 45.9% | 61.4%-15.5pp | 69.3%-23.3pp | 68.1%-22.1pp |
| Annual return | 17.51% | 18.57%-1.1pp | 31.81%-14.3pp | 41.64%-24.1pp |
| Employer contribution / active EE | $1,166 | $1,511-22.9% | $2,279-48.8% | $2,551-54.3% |
| Participant deferral / active EE | $3,524 | $3,081+14.4% | $4,048-12.9% | $4,139-14.9% |
| Admin fee / account holder | $2,764 | $6,500-57.5% | $8,703-68.2% | $7,234-61.8% |