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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 | $146,114 | $124,425+17.4% | $112,040+30.4% | $137,256+6.5% |
| Participation rate | 42.9% | 79.3%-36.5pp | 76.5%-33.6pp | 80.0%-37.1pp |
| Annual return | 15.46% | 24.72%-9.3pp | 24.52%-9.1pp | 220.34%-204.9pp |
| Employer contribution / active EE | $1,640 | $3,411-51.9% | $2,954-44.5% | $4,156-60.5% |
| Participant deferral / active EE | $7,590 | $5,718+32.7% | $5,098+48.9% | $6,407+18.5% |
| Admin fee / account holder | $829 | $15,207-94.5% | $12,098-93.1% | $12,270-93.2% |