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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 | $164,238 | $129,737+26.6% | $119,126+37.9% | $154,746+6.1% |
| Participation rate | 28.6% | 78.9%-50.3pp | 75.8%-47.2pp | 80.7%-52.1pp |
| Annual return | 20.54% | 379.08%-358.5pp | 282.11%-261.6pp | 172.34%-151.8pp |
| Employer contribution / active EE | $1,635 | $4,375-62.6% | $4,034-59.5% | $4,379-62.7% |
| Participant deferral / active EE | $4,111 | $5,842-29.6% | $5,318-22.7% | $6,730-38.9% |
| Admin fee / account holder | $6,282 | $11,961-47.5% | $10,693-41.3% | $14,365-56.3% |