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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 | $88,566 | $31,388+182.2% | $73,550+20.4% | $62,293+42.2% |
| Participation rate | 21.9% | 39.9%-17.9pp | 54.9%-33.0pp | 69.5%-47.6pp |
| Annual return | 17.88% | 25.34%-7.5pp | -15.16%+33.0pp | 28.90%-11.0pp |
| Employer contribution / active EE | $359 | $498-27.9% | $1,219-70.6% | $2,042-82.4% |
| Participant deferral / active EE | $1,141 | $1,028+11.0% | $1,804-36.7% | $3,169-64.0% |
| Admin fee / account holder | $934 | $299+212.0% | $2,320-59.7% | $479+94.9% |