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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 | $96,513 | $29,319+229.2% | $52,425+84.1% | $82,448+17.1% |
| Participation rate | 29.0% | 46.9%-17.9pp | 55.6%-26.6pp | 68.1%-39.1pp |
| Annual return | 18.19% | 535.20%-517.0pp | 302.12%-283.9pp | 41.64%-23.5pp |
| Employer contribution / active EE | $755 | $586+28.8% | $914-17.4% | $2,551-70.4% |
| Participant deferral / active EE | $1,346 | $1,171+14.9% | $1,790-24.8% | $4,139-67.5% |
| Admin fee / account holder | $2,809 | $1,962+43.2% | $2,495+12.6% | $7,234-61.2% |