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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 | $178,938 | $75,541+136.9% | $152,093+17.7% | $82,637+116.5% |
| Participation rate | 44.4% | 66.5%-22.1pp | 77.8%-33.3pp | 68.1%-23.6pp |
| Annual return | 18.59% | 32.56%-14.0pp | 66.36%-47.8pp | 53.51%-34.9pp |
| Employer contribution / active EE | $2,417 | $2,622-7.8% | $4,175-42.1% | $2,552-5.3% |
| Participant deferral / active EE | $5,175 | $3,206+61.4% | $5,451-5.1% | $4,126+25.4% |
| Admin fee / account holder | $1,268 | $6,405-80.2% | $14,497-91.3% | $7,339-82.7% |