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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 | $126,116 | $81,476+54.8% | $102,383+23.2% | $80,925+55.8% |
| Participation rate | 61.3% | 66.8%-5.6pp | 74.5%-13.2pp | 67.7%-6.4pp |
| Annual return | 12.72% | 25.59%-12.9pp | 24.94%-12.2pp | 35.65%-22.9pp |
| Employer contribution / active EE | $2,016 | $3,105-35.1% | $3,870-47.9% | $2,756-26.8% |
| Participant deferral / active EE | $4,569 | $3,871+18.0% | $5,060-9.7% | $4,299+6.3% |
| Admin fee / account holder | $2,436 | $6,717-63.7% | $8,391-71.0% | $6,940-64.9% |