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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 | $169,203 | $81,487+107.6% | $102,412+65.2% | $80,935+109.1% |
| Participation rate | 60.7% | 66.8%-6.1pp | 74.5%-13.8pp | 67.7%-6.9pp |
| Annual return | 22.96% | 25.60%-2.6pp | 24.94%-2.0pp | 35.66%-12.7pp |
| Employer contribution / active EE | $3,018 | $3,103-2.7% | $3,870-22.0% | $2,757+9.5% |
| Participant deferral / active EE | $4,708 | $3,871+21.6% | $5,060-7.0% | $4,299+9.5% |
| Admin fee / account holder | $914 | $6,717-86.4% | $8,388-89.1% | $6,924-86.8% |