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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 | $216,752 | $185,312+17.0% | $161,489+34.2% | $154,746+40.1% |
| Participation rate | 50.0% | 82.5%-32.5pp | 78.7%-28.7pp | 80.7%-30.7pp |
| Annual return | 15.92% | 103.84%-87.9pp | 89.72%-73.8pp | 172.34%-156.4pp |
| Employer contribution / active EE | $1,949 | $4,769-59.1% | $4,268-54.3% | $4,379-55.5% |
| Participant deferral / active EE | $6,720 | $6,350+5.8% | $5,630+19.4% | $6,730-0.2% |
| Admin fee / account holder | $1,971 | $18,654-89.4% | $16,006-87.7% | $14,365-86.3% |