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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 | $116,659 | $81,504+43.1% | $102,437+13.9% | $80,959+44.1% |
| Participation rate | 69.8% | 66.9%+3.0pp | 74.5%-4.7pp | 67.7%+2.1pp |
| Annual return | 11.27% | 25.60%-14.3pp | 24.95%-13.7pp | 35.67%-24.4pp |
| Employer contribution / active EE | $2,887 | $3,104-7.0% | $3,871-25.4% | $2,757+4.7% |
| Participant deferral / active EE | $5,323 | $3,871+37.5% | $5,060+5.2% | $4,300+23.8% |
| Admin fee / account holder | $3,485 | $6,719-48.1% | $8,388-58.5% | $6,925-49.7% |