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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 | $229,339 | $77,920+194.3% | $149,723+53.2% | $75,177+205.1% |
| Participation rate | 26.1% | 65.6%-39.5pp | 78.8%-52.7pp | 67.2%-41.1pp |
| Annual return | 43.60% | 31.72%+11.9pp | 134.50%-90.9pp | 160.75%-117.1pp |
| Employer contribution / active EE | $818 | $3,138-73.9% | $4,821-83.0% | $2,671-69.4% |
| Participant deferral / active EE | $1,815 | $3,411-46.8% | $5,682-68.1% | $4,126-56.0% |
| Admin fee / account holder | $5,222 | $5,951-12.2% | $13,215-60.5% | $5,651-7.6% |