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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 | $155,029 | $110,212+40.7% | $96,534+60.6% | $139,466+11.2% |
| Participation rate | 47.1% | 78.1%-31.1pp | 76.0%-28.9pp | 80.3%-33.3pp |
| Annual return | 18.30% | 26.42%-8.1pp | 25.88%-7.6pp | 373.66%-355.4pp |
| Employer contribution / active EE | $2,250 | $3,620-37.8% | $2,965-24.1% | $4,754-52.7% |
| Participant deferral / active EE | $5,416 | $5,547-2.4% | $4,851+11.6% | $6,712-19.3% |
| Admin fee / account holder | $4,902 | $11,599-57.7% | $8,253-40.6% | $11,409-57.0% |