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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 | $109,748 | $93,598+17.3% | $135,974-19.3% | $75,173+46.0% |
| Participation rate | 64.7% | 75.2%-10.5pp | 81.9%-17.2pp | 67.2%-2.5pp |
| Annual return | 34.61% | 30.89%+3.7pp | 68.30%-33.7pp | 160.72%-126.1pp |
| Employer contribution / active EE | $1,380 | $3,538-61.0% | $4,859-71.6% | $2,671-48.3% |
| Participant deferral / active EE | $9,686 | $6,405+51.2% | $7,760+24.8% | $4,126+134.7% |
| Admin fee / account holder | $724 | $6,978-89.6% | $10,767-93.3% | $5,651-87.2% |