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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 | $197,581 | $71,230+177.4% | $93,727+110.8% | $80,959+144.1% |
| Participation rate | 36.1% | 60.4%-24.3pp | 68.7%-32.6pp | 67.7%-31.6pp |
| Annual return | 13.63% | 11.26%+2.4pp | 133.83%-120.2pp | 35.67%-22.0pp |
| Employer contribution / active EE | $579 | $1,565-63.0% | $2,421-76.1% | $2,757-79.0% |
| Participant deferral / active EE | $2,544 | $4,037-37.0% | $4,417-42.4% | $4,300-40.8% |
| Admin fee / account holder | $886 | $6,961-87.3% | $8,292-89.3% | $6,925-87.2% |