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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 | $80,503 | $22,602+256.2% | $65,328+23.2% | $75,181+7.1% |
| Participation rate | 65.1% | 63.1%+2.0pp | 64.9%+0.2pp | 67.2%-2.1pp |
| Annual return | 17.45% | 71.13%-53.7pp | 47.39%-29.9pp | 160.69%-143.2pp |
| Employer contribution / active EE | $1,670 | $941+77.5% | $1,692-1.3% | $2,671-37.5% |
| Participant deferral / active EE | $3,981 | $1,695+134.9% | $2,832+40.6% | $4,126-3.5% |
| Admin fee / account holder | $1,317 | $1,877-29.8% | $4,116-68.0% | $5,650-76.7% |