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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 | $199,387 | $123,155+61.9% | $108,753+83.3% | $155,188+28.5% |
| Participation rate | 60.0% | 75.6%-15.6pp | 71.1%-11.1pp | 80.8%-20.8pp |
| Annual return | 11.38% | 44.73%-33.4pp | 37.47%-26.1pp | 148.84%-137.5pp |
| Employer contribution / active EE | $3,433 | $2,811+22.1% | $2,427+41.5% | $4,248-19.2% |
| Participant deferral / active EE | $9,529 | $4,623+106.1% | $4,115+131.6% | $6,531+45.9% |
| Admin fee / account holder | $4,560 | $12,126-62.4% | $10,320-55.8% | $14,480-68.5% |