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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 | $127,400 | $99,345+28.2% | $84,753+50.3% | $273,972-53.5% |
| Participation rate | 50.0% | 80.7%-30.7pp | 76.6%-26.6pp | 83.0%-33.0pp |
| Annual return | 14.19% | 22.93%-8.7pp | 22.78%-8.6pp | 41.46%-27.3pp |
| Employer contribution / active EE | $5,763 | $4,214+36.8% | $3,574+61.2% | $4,869+18.4% |
| Participant deferral / active EE | $13,500 | $4,270+216.2% | $3,712+263.7% | $5,287+155.3% |
| Admin fee / account holder | $512 | $6,645-92.3% | $5,333-90.4% | $10,133-94.9% |