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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 | $210,539 | $57,061+269.0% | $85,063+147.5% | $80,911+160.2% |
| Participation rate | 44.0% | 56.3%-12.3pp | 67.5%-23.5pp | 67.6%-23.6pp |
| Annual return | 21.56% | 21.66%-0.1pp | 66.54%-45.0pp | 35.63%-14.1pp |
| Employer contribution / active EE | $2,515 | $1,799+39.8% | $2,727-7.8% | $2,756-8.7% |
| Participant deferral / active EE | $6,357 | $3,110+104.4% | $4,523+40.6% | $4,297+47.9% |
| Admin fee / account holder | $2,928 | $4,986-41.3% | $6,155-52.4% | $6,935-57.8% |