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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 | $106,974+112.6% | $90,796+150.4% | $138,895+63.7% |
| Participation rate | 18.2% | 74.9%-56.7pp | 69.5%-51.3pp | 79.9%-61.7pp |
| Annual return | 15.00% | 20.10%-5.1pp | 19.29%-4.3pp | 145.39%-130.4pp |
| Employer contribution / active EE | $511 | $2,609-80.4% | $2,294-77.7% | $4,194-87.8% |
| Participant deferral / active EE | $1,841 | $4,455-58.7% | $3,822-51.8% | $6,396-71.2% |
| Admin fee / account holder | $7,706 | $8,626-10.7% | $7,024+9.7% | $12,562-38.7% |