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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 | $113,933 | $93,057+22.4% | $153,500-25.8% | $80,925+40.8% |
| Participation rate | 53.3% | 69.0%-15.7pp | 77.1%-23.8pp | 67.7%-14.3pp |
| Annual return | 13.78% | 19.96%-6.2pp | 15.70%-1.9pp | 35.65%-21.9pp |
| Employer contribution / active EE | $3,118 | $3,507-11.1% | $5,039-38.1% | $2,756+13.1% |
| Participant deferral / active EE | $5,093 | $5,179-1.7% | $6,756-24.6% | $4,299+18.5% |
| Admin fee / account holder | $7,961 | $8,885-10.4% | $12,736-37.5% | $6,940+14.7% |