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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 | $148,404 | $72,269+105.3% | $101,271+46.5% | $79,852+85.8% |
| Participation rate | 54.2% | 68.5%-14.3pp | 75.8%-21.6pp | 69.6%-15.5pp |
| Annual return | 15.05% | 22.29%-7.2pp | 46.48%-31.4pp | 31.72%-16.7pp |
| Employer contribution / active EE | $2,611 | $2,692-3.0% | $3,660-28.7% | $2,471+5.7% |
| Participant deferral / active EE | $5,974 | $3,282+82.0% | $4,371+36.7% | $3,740+59.7% |
| Admin fee / account holder | $2,916 | $4,401-33.7% | $5,948-51.0% | $5,306-45.0% |