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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 | $165,468 | $101,063+63.7% | $81,473+103.1% | $147,586+12.1% |
| Participation rate | 50.0% | 74.5%-24.5pp | 68.0%-18.0pp | 82.8%-32.8pp |
| Annual return | 17.62% | 32.41%-14.8pp | 38.78%-21.2pp | 578.59%-561.0pp |
| Employer contribution / active EE | $1,506 | $3,206-53.0% | $2,568-41.4% | $4,876-69.1% |
| Participant deferral / active EE | $8,750 | $4,242+106.3% | $3,537+147.4% | $5,439+60.9% |
| Admin fee / account holder | $650 | $5,812-88.8% | $4,561-85.7% | $10,886-94.0% |