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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 | $167,648 | $66,764+151.1% | $88,497+89.4% | $62,881+166.6% |
| Participation rate | 67.9% | 77.3%-9.4pp | 82.4%-14.5pp | 69.3%-1.4pp |
| Annual return | 8.65% | 10.37%-1.7pp | 7.63%+1.0pp | 20.14%-11.5pp |
| Employer contribution / active EE | $6,435 | $3,077+109.1% | $4,036+59.4% | $2,281+182.1% |
| Participant deferral / active EE | $2,266 | $3,976-43.0% | $4,899-53.8% | $3,203-29.3% |
| Admin fee / account holder | $1,337 | $4,668-71.4% | $6,220-78.5% | $4,296-68.9% |