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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 | $144,459 | $77,638+86.1% | $156,551-7.7% | $62,881+129.7% |
| Participation rate | 60.7% | 71.2%-10.5pp | 84.0%-23.3pp | 69.3%-8.6pp |
| Annual return | 6.98% | 50.33%-43.3pp | 32.23%-25.2pp | 20.14%-13.2pp |
| Employer contribution / active EE | $8,473 | $3,444+146.0% | $5,501+54.0% | $2,281+271.5% |
| Participant deferral / active EE | $1,515 | $3,046-50.3% | $4,871-68.9% | $3,203-52.7% |
| Admin fee / account holder | $4,645 | $5,561-16.5% | $13,028-64.3% | $4,296+8.1% |