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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 | $132,920 | $74,535+78.3% | $100,712+32.0% | $82,637+60.8% |
| Participation rate | 52.7% | 61.2%-8.4pp | 69.3%-16.5pp | 68.1%-15.3pp |
| Annual return | 12.78% | 18.92%-6.1pp | 33.27%-20.5pp | 53.51%-40.7pp |
| Employer contribution / active EE | $1,617 | $1,503+7.6% | $2,313-30.1% | $2,552-36.6% |
| Participant deferral / active EE | $3,866 | $3,074+25.8% | $4,085-5.4% | $4,126-6.3% |
| Admin fee / account holder | $2,429 | $6,576-63.1% | $9,256-73.8% | $7,339-66.9% |