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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 | $167,673 | $126,661+32.4% | $113,397+47.9% | $138,895+20.7% |
| Participation rate | 30.8% | 79.4%-48.7pp | 76.5%-45.7pp | 79.9%-49.1pp |
| Annual return | 15.00% | 25.05%-10.1pp | 23.20%-8.2pp | 145.39%-130.4pp |
| Employer contribution / active EE | $963 | $3,456-72.2% | $2,977-67.7% | $4,194-77.1% |
| Participant deferral / active EE | $2,241 | $5,693-60.6% | $5,076-55.9% | $6,396-65.0% |
| Admin fee / account holder | $2,037 | $14,549-86.0% | $11,957-83.0% | $12,562-83.8% |