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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 | $197,733 | $81,331+143.1% | $155,534+27.1% | $80,935+144.3% |
| Participation rate | 68.0% | 66.3%+1.7pp | 78.2%-10.2pp | 67.7%+0.3pp |
| Annual return | 16.94% | 33.37%-16.4pp | 64.92%-48.0pp | 35.66%-18.7pp |
| Employer contribution / active EE | $2,830 | $3,105-8.9% | $4,675-39.5% | $2,757+2.6% |
| Participant deferral / active EE | $4,991 | $3,454+44.5% | $5,630-11.3% | $4,299+16.1% |
| Admin fee / account holder | $3,068 | $7,999-61.6% | $15,900-80.7% | $6,924-55.7% |