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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 | $208,437 | $107,809+93.3% | $97,032+114.8% | $155,188+34.3% |
| Participation rate | 61.1% | 75.5%-14.4pp | 71.6%-10.5pp | 80.8%-19.7pp |
| Annual return | 16.37% | 38.06%-21.7pp | 35.38%-19.0pp | 148.84%-132.5pp |
| Employer contribution / active EE | $2,128 | $2,911-26.9% | $2,629-19.0% | $4,248-49.9% |
| Participant deferral / active EE | $4,386 | $5,129-14.5% | $4,672-6.1% | $6,531-32.8% |
| Admin fee / account holder | $1,436 | $10,717-86.6% | $9,418-84.7% | $14,480-90.1% |