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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 | $139,469 | $71,197+95.9% | $93,669+48.9% | $80,925+72.3% |
| Participation rate | 69.2% | 60.4%+8.8pp | 68.7%+0.5pp | 67.7%+1.6pp |
| Annual return | 19.12% | 11.27%+7.9pp | 133.59%-114.5pp | 35.65%-16.5pp |
| Employer contribution / active EE | $2,067 | $1,565+32.1% | $2,424-14.7% | $2,756-25.0% |
| Participant deferral / active EE | $4,528 | $4,036+12.2% | $4,416+2.5% | $4,299+5.3% |
| Admin fee / account holder | $2,168 | $6,959-68.9% | $8,291-73.9% | $6,940-68.8% |