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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 | $130,953 | $102,938+27.2% | $94,105+39.2% | $138,895-5.7% |
| Participation rate | 25.0% | 74.6%-49.6pp | 71.9%-46.9pp | 79.9%-54.9pp |
| Annual return | 17.37% | 250.28%-232.9pp | 204.55%-187.2pp | 145.39%-128.0pp |
| Employer contribution / active EE | $432 | $2,732-84.2% | $2,504-82.8% | $4,194-89.7% |
| Participant deferral / active EE | $1,080 | $4,196-74.3% | $3,881-72.2% | $6,396-83.1% |
| Admin fee / account holder | $1,143 | $6,600-82.7% | $6,199-81.6% | $12,562-90.9% |