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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 | $109,432 | $67,823+61.3% | $52,425+108.7% | $137,256-20.3% |
| Participation rate | 17.6% | 63.9%-46.3pp | 55.6%-38.0pp | 80.0%-62.3pp |
| Annual return | 21.12% | 219.11%-198.0pp | 302.12%-281.0pp | 220.34%-199.2pp |
| Employer contribution / active EE | $971 | $1,163-16.5% | $914+6.2% | $4,156-76.6% |
| Participant deferral / active EE | $3,713 | $2,288+62.3% | $1,790+107.4% | $6,407-42.0% |
| Admin fee / account holder | $639 | $2,844-77.5% | $2,495-74.4% | $12,270-94.8% |