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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 | $103,409 | $36,948+179.9% | $73,658+40.4% | $87,485+18.2% |
| Participation rate | 55.6% | 46.8%+8.7pp | 57.0%-1.5pp | 68.9%-13.4pp |
| Annual return | 17.49% | 28.64%-11.1pp | 29.72%-12.2pp | 26.06%-8.6pp |
| Employer contribution / active EE | $1,540 | $670+129.9% | $1,032+49.2% | $2,596-40.7% |
| Participant deferral / active EE | $2,779 | $1,379+101.5% | $2,062+34.8% | $4,274-35.0% |
| Admin fee / account holder | $3,004 | $2,531+18.7% | $3,357-10.5% | $7,775-61.4% |