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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 | $96,345 | $65,367+47.4% | $92,915+3.7% | $72,976+32.0% |
| Participation rate | 69.4% | 68.3%+1.1pp | 76.0%-6.6pp | 69.5%0pp |
| Annual return | 23.93% | 42.11%-18.2pp | 109.45%-85.5pp | 81.02%-57.1pp |
| Employer contribution / active EE | $3,634 | $2,594+40.1% | $3,653-0.5% | $2,440+48.9% |
| Participant deferral / active EE | $7,264 | $3,128+132.2% | $4,238+71.4% | $3,608+101.4% |
| Admin fee / account holder | $3,835 | $4,251-9.8% | $5,796-33.8% | $5,124-25.2% |