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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 | $151,830 | $77,460+96.0% | $100,378+51.3% | $80,925+87.6% |
| Participation rate | 65.7% | 76.9%-11.2pp | 81.5%-15.8pp | 67.7%-1.9pp |
| Annual return | 13.89% | 37.24%-23.3pp | 49.41%-35.5pp | 35.65%-21.8pp |
| Employer contribution / active EE | $2,963 | $2,801+5.8% | $3,942-24.8% | $2,756+7.5% |
| Participant deferral / active EE | $11,388 | $6,818+67.0% | $8,087+40.8% | $4,299+164.9% |
| Admin fee / account holder | $4,515 | $5,887-23.3% | $7,899-42.8% | $6,940-34.9% |