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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 | $131,101 | $108,825+20.5% | $156,181-16.1% | $82,448+59.0% |
| Participation rate | 31.4% | 72.4%-40.9pp | 78.8%-47.4pp | 68.1%-36.6pp |
| Annual return | 20.51% | 20.59%-0.1pp | 64.87%-44.4pp | 41.64%-21.1pp |
| Employer contribution / active EE | $1,149 | $2,870-60.0% | $4,294-73.2% | $2,551-55.0% |
| Participant deferral / active EE | $3,121 | $4,577-31.8% | $6,132-49.1% | $4,139-24.6% |
| Admin fee / account holder | $2,272 | $9,341-75.7% | $14,586-84.4% | $7,234-68.6% |