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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 | $209,781 | $101,618+106.4% | $93,063+125.4% | $137,256+52.8% |
| Participation rate | 36.4% | 74.9%-38.6pp | 72.1%-35.8pp | 80.0%-43.6pp |
| Annual return | 13.28% | 223.95%-210.7pp | 34.15%-20.9pp | 220.34%-207.1pp |
| Employer contribution / active EE | $831 | $2,707-69.3% | $2,476-66.5% | $4,156-80.0% |
| Participant deferral / active EE | $2,249 | $4,279-47.4% | $3,958-43.2% | $6,407-64.9% |
| Admin fee / account holder | $1,263 | $6,198-79.6% | $6,033-79.1% | $12,270-89.7% |