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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 | $105,891 | $80,985+30.8% | $96,576+9.6% | $75,181+40.8% |
| Participation rate | 60.0% | 71.8%-11.8pp | 76.0%-16.0pp | 67.2%-7.2pp |
| Annual return | 18.83% | 27.05%-8.2pp | 25.87%-7.0pp | 160.69%-141.9pp |
| Employer contribution / active EE | $1,650 | $2,282-27.7% | $2,965-44.4% | $2,671-38.2% |
| Participant deferral / active EE | $3,264 | $3,929-16.9% | $4,851-32.7% | $4,126-20.9% |
| Admin fee / account holder | $14,205 | $6,719+111.4% | $8,253+72.1% | $5,650+151.4% |