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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 | $112,716 | $58,057+94.1% | $97,032+16.2% | $86,983+29.6% |
| Participation rate | 65.4% | 60.4%+5.0pp | 71.6%-6.2pp | 69.5%-4.2pp |
| Annual return | 17.19% | 22.26%-5.1pp | 35.38%-18.2pp | 25.83%-8.6pp |
| Employer contribution / active EE | $3,711 | $1,663+123.1% | $2,629+41.2% | $2,584+43.6% |
| Participant deferral / active EE | $3,331 | $3,244+2.7% | $4,672-28.7% | $4,194-20.6% |
| Admin fee / account holder | $3,980 | $4,839-17.8% | $9,418-57.7% | $7,856-49.3% |