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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 | $117,143 | $174,379-32.8% | $152,093-23.0% | $138,895-15.7% |
| Participation rate | 58.3% | 81.6%-23.3pp | 77.8%-19.4pp | 79.9%-21.6pp |
| Annual return | 17.74% | 74.86%-57.1pp | 66.36%-48.6pp | 145.39%-127.7pp |
| Employer contribution / active EE | $3,149 | $4,652-32.3% | $4,175-24.6% | $4,194-24.9% |
| Participant deferral / active EE | $2,894 | $6,159-53.0% | $5,451-46.9% | $6,396-54.8% |
| Admin fee / account holder | $5,440 | $16,880-67.8% | $14,497-62.5% | $12,562-56.7% |