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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 | $118,618 | $81,446+45.6% | $103,374+14.7% | $80,874+46.7% |
| Participation rate | 50.0% | 66.9%-16.9pp | 74.5%-24.5pp | 67.6%-17.6pp |
| Annual return | 12.96% | 25.57%-12.6pp | 24.89%-11.9pp | 35.62%-22.7pp |
| Employer contribution / active EE | $2,409 | $3,107-22.5% | $3,869-37.7% | $2,756-12.6% |
| Participant deferral / active EE | $5,019 | $3,870+29.7% | $5,058-0.8% | $4,297+16.8% |
| Admin fee / account holder | $9,358 | $6,715+39.4% | $8,394+11.5% | $6,935+34.9% |