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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 | $171,267 | $69,118+147.8% | $53,647+219.3% | $138,895+23.3% |
| Participation rate | 47.4% | 64.0%-16.6pp | 56.3%-8.9pp | 79.9%-32.6pp |
| Annual return | 16.70% | 248.26%-231.6pp | 358.33%-341.6pp | 145.39%-128.7pp |
| Employer contribution / active EE | $731 | $1,189-38.5% | $962-24.0% | $4,194-82.6% |
| Participant deferral / active EE | $2,301 | $2,274+1.2% | $1,813+26.9% | $6,396-64.0% |
| Admin fee / account holder | $1,371 | $2,724-49.7% | $2,460-44.3% | $12,562-89.1% |