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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 | $118,070 | $97,648+20.9% | $121,663-3.0% | $87,485+35.0% |
| Participation rate | 42.4% | 70.5%-28.0pp | 74.5%-32.1pp | 68.9%-26.5pp |
| Annual return | 17.42% | 18.03%-0.6pp | 147.54%-130.1pp | 26.06%-8.6pp |
| Employer contribution / active EE | $1,228 | $2,300-46.6% | $3,020-59.4% | $2,596-52.7% |
| Participant deferral / active EE | $3,266 | $3,923-16.8% | $4,887-33.2% | $4,274-23.6% |
| Admin fee / account holder | $580 | $11,100-94.8% | $14,289-95.9% | $7,775-92.5% |