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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 | $242,998 | $114,119+112.9% | $107,187+126.7% | $138,895+75.0% |
| Participation rate | 47.8% | 78.1%-30.2pp | 75.0%-27.2pp | 79.9%-32.1pp |
| Annual return | 18.99% | 273.21%-254.2pp | 204.55%-185.6pp | 145.39%-126.4pp |
| Employer contribution / active EE | $3,569 | $4,059-12.1% | $3,782-5.6% | $4,194-14.9% |
| Participant deferral / active EE | $5,182 | $5,538-6.4% | $5,096+1.7% | $6,396-19.0% |
| Admin fee / account holder | $1,622 | $10,024-83.8% | $9,162-82.3% | $12,562-87.1% |