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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 | $188,039 | $106,974+75.8% | $90,796+107.1% | $138,895+35.4% |
| Participation rate | 66.7% | 74.9%-8.2pp | 69.5%-2.8pp | 79.9%-13.3pp |
| Annual return | 23.43% | 20.10%+3.3pp | 19.29%+4.1pp | 145.39%-122.0pp |
| Employer contribution / active EE | $18,364 | $2,609+604.0% | $2,294+700.6% | $4,194+337.8% |
| Participant deferral / active EE | $2,283 | $4,455-48.7% | $3,822-40.3% | $6,396-64.3% |
| Admin fee / account holder | $32,299 | $8,626+274.4% | $7,024+359.9% | $12,562+157.1% |