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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 | $227,382 | $99,380+128.8% | $90,312+151.8% | $155,188+46.5% |
| Participation rate | 18.2% | 77.3%-59.2pp | 72.9%-54.7pp | 80.8%-62.6pp |
| Annual return | 15.00% | 19.35%-4.3pp | 18.90%-3.9pp | 148.84%-133.8pp |
| Employer contribution / active EE | $511 | $2,390-78.6% | $2,243-77.2% | $4,248-88.0% |
| Participant deferral / active EE | $1,841 | $4,212-56.3% | $3,749-50.9% | $6,531-71.8% |
| Admin fee / account holder | $7,706 | $9,766-21.1% | $8,248-6.6% | $14,480-46.8% |