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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 | $78,194 | $65,704+19.0% | $94,229-17.0% | $59,633+31.1% |
| Participation rate | 69.0% | 72.1%-3.2pp | 78.8%-9.8pp | 68.7%+0.3pp |
| Annual return | 2.35% | 5.22%-2.9pp | 10.68%-8.3pp | 2041.45%-2039.1pp |
| Employer contribution / active EE | $2,317 | $2,021+14.7% | $3,587-35.4% | $2,203+5.2% |
| Participant deferral / active EE | $4,783 | $3,143+52.2% | $4,320+10.7% | $3,192+49.9% |
| Admin fee / account holder | $781 | $4,265-81.7% | $6,269-87.5% | $4,297-81.8% |