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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 | $63,010 | $51,638+22.0% | $129,406-51.3% | $80,959-22.2% |
| Participation rate | 59.4% | 56.9%+2.4pp | 69.6%-10.3pp | 67.7%-8.3pp |
| Annual return | 14.33% | 20.78%-6.5pp | 9468.18%-9453.8pp | 35.67%-21.3pp |
| Employer contribution / active EE | $1,499 | $1,584-5.4% | $4,155-63.9% | $2,757-45.6% |
| Participant deferral / active EE | $3,485 | $2,670+30.5% | $4,167-16.4% | $4,300-19.0% |
| Admin fee / account holder | $626 | $4,313-85.5% | $7,689-91.9% | $6,925-91.0% |