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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 | $109,720 | $58,057+89.0% | $97,032+13.1% | $86,983+26.1% |
| Participation rate | 58.1% | 60.4%-2.3pp | 71.6%-13.5pp | 69.5%-11.5pp |
| Annual return | 18.57% | 22.26%-3.7pp | 35.38%-16.8pp | 25.83%-7.3pp |
| Employer contribution / active EE | $1,470 | $1,663-11.6% | $2,629-44.1% | $2,584-43.1% |
| Participant deferral / active EE | $2,596 | $3,244-20.0% | $4,672-44.4% | $4,194-38.1% |
| Admin fee / account holder | $1,012 | $4,839-79.1% | $9,418-89.3% | $7,856-87.1% |