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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 | $147,507 | $39,243+275.9% | $80,784+82.6% | $79,389+85.8% |
| Participation rate | 22.1% | 41.0%-18.9pp | 54.2%-32.1pp | 70.7%-48.6pp |
| Annual return | 16.54% | 98.95%-82.4pp | 87.31%-70.8pp | 116.89%-100.4pp |
| Employer contribution / active EE | $383 | $593-35.5% | $1,160-67.0% | $2,428-84.2% |
| Participant deferral / active EE | $1,149 | $1,262-9.0% | $2,145-46.5% | $4,046-71.6% |
| Admin fee / account holder | $1,163 | $647+79.9% | $3,380-65.6% | $626+85.7% |