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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 | $195,371 | $71,230+174.3% | $93,727+108.4% | $80,959+141.3% |
| Participation rate | 34.6% | 60.4%-25.8pp | 68.7%-34.1pp | 67.7%-33.1pp |
| Annual return | 15.41% | 11.26%+4.2pp | 133.83%-118.4pp | 35.67%-20.3pp |
| Employer contribution / active EE | $655 | $1,565-58.2% | $2,421-73.0% | $2,757-76.3% |
| Participant deferral / active EE | $4,353 | $4,037+7.8% | $4,417-1.4% | $4,300+1.2% |
| Admin fee / account holder | $4,598 | $6,961-33.9% | $8,292-44.5% | $6,925-33.6% |