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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 | $88,150 | $76,696+14.9% | $96,538-8.7% | $71,529+23.2% |
| Participation rate | 59.8% | 66.6%-6.8pp | 74.3%-14.5pp | 67.9%-8.1pp |
| Annual return | 16.04% | 48.32%-32.3pp | 35.74%-19.7pp | 28.97%-12.9pp |
| Employer contribution / active EE | $1,905 | $3,032-37.2% | $3,740-49.1% | $2,590-26.4% |
| Participant deferral / active EE | $6,962 | $3,770+84.7% | $4,880+42.6% | $4,291+62.2% |
| Admin fee / account holder | $4,909 | $2,030+141.9% | $6,737-27.1% | $1,588+209.1% |