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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 | $130,164 | $62,549+108.1% | $85,705+51.9% | $85,851+51.6% |
| Participation rate | 69.2% | 61.1%+8.1pp | 69.9%-0.6pp | 69.3%-0.1pp |
| Annual return | 11.25% | 23.77%-12.5pp | 21.49%-10.2pp | 318.63%-307.4pp |
| Employer contribution / active EE | $2,880 | $1,755+64.0% | $2,619+10.0% | $2,565+12.2% |
| Participant deferral / active EE | $5,784 | $2,802+106.4% | $3,924+47.4% | $3,952+46.3% |
| Admin fee / account holder | $470 | $4,644-89.9% | $6,877-93.2% | $6,261-92.5% |