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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 | $199,309 | $58,627+240.0% | $76,735+159.7% | $82,448+141.7% |
| Participation rate | 45.1% | 63.2%-18.1pp | 69.5%-24.4pp | 68.1%-23.0pp |
| Annual return | 14.53% | 39.10%-24.6pp | 29.77%-15.2pp | 41.64%-27.1pp |
| Employer contribution / active EE | $1,187 | $1,729-31.3% | $2,454-51.6% | $2,551-53.5% |
| Participant deferral / active EE | $3,958 | $3,134+26.3% | $4,088-3.2% | $4,139-4.4% |
| Admin fee / account holder | $1,741 | $5,323-67.3% | $7,189-75.8% | $7,234-75.9% |