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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 | $207,835 | $172,111+20.8% | $150,298+38.3% | $137,256+51.4% |
| Participation rate | 60.0% | 81.7%-21.7pp | 77.8%-17.8pp | 80.0%-20.0pp |
| Annual return | 16.76% | 69.37%-52.6pp | 62.79%-46.0pp | 220.34%-203.6pp |
| Employer contribution / active EE | $3,349 | $4,636-27.8% | $4,154-19.4% | $4,156-19.4% |
| Participant deferral / active EE | $9,371 | $6,166+52.0% | $5,453+71.9% | $6,407+46.3% |
| Admin fee / account holder | $27,647 | $16,471+67.9% | $14,116+95.9% | $12,270+125.3% |