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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 | $115,609 | $95,453+21.1% | $112,040+3.2% | $82,448+40.2% |
| Participation rate | 45.2% | 72.8%-27.6pp | 76.5%-31.3pp | 68.1%-22.9pp |
| Annual return | 21.91% | 23.92%-2.0pp | 24.52%-2.6pp | 41.64%-19.7pp |
| Employer contribution / active EE | $1,858 | $2,318-19.9% | $2,954-37.1% | $2,551-27.2% |
| Participant deferral / active EE | $2,536 | $4,224-40.0% | $5,098-50.3% | $4,139-38.7% |
| Admin fee / account holder | $4,079 | $9,013-54.8% | $12,098-66.3% | $7,234-43.6% |