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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 | $131,677 | $77,638+69.6% | $156,551-15.9% | $62,881+109.4% |
| Participation rate | 69.0% | 71.2%-2.2pp | 84.0%-15.0pp | 69.3%-0.3pp |
| Annual return | 6.70% | 50.33%-43.6pp | 32.23%-25.5pp | 20.14%-13.4pp |
| Employer contribution / active EE | $15,752 | $3,444+357.4% | $5,501+186.3% | $2,281+590.6% |
| Participant deferral / active EE | $2,349 | $3,046-22.9% | $4,871-51.8% | $3,203-26.7% |
| Admin fee / account holder | $1,474 | $5,561-73.5% | $13,028-88.7% | $4,296-65.7% |