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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 | $113,049 | $87,132+29.7% | $105,624+7.0% | $80,959+39.6% |
| Participation rate | 66.7% | 70.4%-3.8pp | 75.3%-8.6pp | 67.7%-1.0pp |
| Annual return | 16.81% | 17.03%-0.2pp | 116.20%-99.4pp | 35.67%-18.9pp |
| Employer contribution / active EE | $2,904 | $2,397+21.2% | $3,168-8.3% | $2,757+5.3% |
| Participant deferral / active EE | $8,052 | $3,985+102.0% | $5,013+60.6% | $4,300+87.2% |
| Admin fee / account holder | $3,591 | $8,449-57.5% | $10,961-67.2% | $6,925-48.1% |