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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 | $103,938 | $102,245+1.7% | $89,340+16.3% | $137,256-24.3% |
| Participation rate | 42.9% | 74.9%-32.0pp | 69.6%-26.7pp | 80.0%-37.1pp |
| Annual return | 20.90% | 21.89%-1.0pp | 20.57%+0.3pp | 220.34%-199.4pp |
| Employer contribution / active EE | $998 | $2,529-60.5% | $2,231-55.3% | $4,156-76.0% |
| Participant deferral / active EE | $8,643 | $4,436+94.8% | $3,823+126.1% | $6,407+34.9% |
| Admin fee / account holder | $373 | $8,085-95.4% | $6,704-94.4% | $12,270-97.0% |