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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 | $224,005 | $181,062+23.7% | $158,223+41.6% | $155,188+44.3% |
| Participation rate | 66.7% | 82.7%-16.0pp | 79.2%-12.5pp | 80.8%-14.1pp |
| Annual return | 11.90% | 57.39%-45.5pp | 52.09%-40.2pp | 148.84%-136.9pp |
| Employer contribution / active EE | $11,271 | $4,565+146.9% | $4,109+174.3% | $4,248+165.3% |
| Participant deferral / active EE | $5,446 | $6,134-11.2% | $5,467-0.4% | $6,531-16.6% |
| Admin fee / account holder | $2,099 | $18,825-88.8% | $16,047-86.9% | $14,480-85.5% |