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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 | $133,578 | $65,364+104.4% | $92,909+43.8% | $72,975+83.0% |
| Participation rate | 11.1% | 68.3%-57.2pp | 76.0%-64.9pp | 69.5%-58.4pp |
| Annual return | 26.19% | 42.11%-15.9pp | 109.44%-83.2pp | 81.01%-54.8pp |
| Employer contribution / active EE | $834 | $2,594-67.8% | $3,653-77.2% | $2,440-65.8% |
| Participant deferral / active EE | $1,459 | $3,128-53.4% | $4,238-65.6% | $3,608-59.6% |
| Admin fee / account holder | $612 | $4,251-85.6% | $5,795-89.4% | $5,124-88.0% |