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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 | $208,012 | $136,307+52.6% | $106,619+95.1% | $273,972-24.1% |
| Participation rate | 13.3% | 84.8%-71.4pp | 78.0%-64.7pp | 83.0%-69.7pp |
| Annual return | 2.59% | 11.05%-8.5pp | 9.42%-6.8pp | 41.46%-38.9pp |
| Employer contribution / active EE | $1,104 | $5,190-78.7% | $3,947-72.0% | $4,869-77.3% |
| Participant deferral / active EE | $1,977 | $4,969-60.2% | $3,930-49.7% | $5,287-62.6% |
| Admin fee / account holder | $4,830 | $8,625-44.0% | $6,418-24.8% | $10,133-52.3% |