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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 | $184,056 | $106,749+72.4% | $145,433+26.6% | $82,448+123.2% |
| Participation rate | 61.1% | 75.6%-14.5pp | 82.1%-21.0pp | 68.1%-7.0pp |
| Annual return | 16.20% | 27.59%-11.4pp | 66.58%-50.4pp | 41.64%-25.4pp |
| Employer contribution / active EE | $2,036 | $3,444-40.9% | $4,554-55.3% | $2,551-20.2% |
| Participant deferral / active EE | $3,736 | $6,519-42.7% | $7,897-52.7% | $4,139-9.7% |
| Admin fee / account holder | $10,153 | $8,390+21.0% | $13,129-22.7% | $7,234+40.3% |