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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 | $100,519 | $181,896-44.7% | $156,551-35.8% | $273,972-63.3% |
| Participation rate | 57.9% | 88.4%-30.5pp | 84.0%-26.1pp | 83.0%-25.1pp |
| Annual return | 6.33% | 30.74%-24.4pp | 32.23%-25.9pp | 41.46%-35.1pp |
| Employer contribution / active EE | $7,086 | $6,248+13.4% | $5,501+28.8% | $4,869+45.5% |
| Participant deferral / active EE | $4,996 | $5,550-10.0% | $4,871+2.6% | $5,287-5.5% |
| Admin fee / account holder | $1,658 | $15,560-89.3% | $13,028-87.3% | $10,133-83.6% |