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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 | $111,595 | $78,682+41.8% | $109,188+2.2% | $85,851+30.0% |
| Participation rate | 55.6% | 68.3%-12.7pp | 75.9%-20.3pp | 69.3%-13.8pp |
| Annual return | 14.33% | 25.09%-10.8pp | 25.76%-11.4pp | 318.63%-304.3pp |
| Employer contribution / active EE | $759 | $2,734-72.2% | $3,723-79.6% | $2,565-70.4% |
| Participant deferral / active EE | $4,774 | $3,468+37.7% | $4,654+2.6% | $3,952+20.8% |
| Admin fee / account holder | $1,841 | $5,470-66.3% | $6,755-72.7% | $6,261-70.6% |