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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 | $118,692 | $57,590+106.1% | $86,233+37.6% | $82,448+44.0% |
| Participation rate | 27.3% | 57.9%-30.6pp | 69.0%-41.7pp | 68.1%-40.8pp |
| Annual return | 18.32% | 22.41%-4.1pp | 61.39%-43.1pp | 41.64%-23.3pp |
| Employer contribution / active EE | $650 | $1,655-60.7% | $2,504-74.0% | $2,551-74.5% |
| Participant deferral / active EE | $1,293 | $3,080-58.0% | $4,559-71.6% | $4,139-68.8% |
| Admin fee / account holder | $1,686 | $4,730-64.4% | $8,342-79.8% | $7,234-76.7% |