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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 | $99,505 | $76,834+29.5% | $108,359-8.2% | $87,485+13.7% |
| Participation rate | 45.9% | 61.7%-15.8pp | 70.1%-24.2pp | 68.9%-23.0pp |
| Annual return | 25.09% | 19.09%+6.0pp | 36.89%-11.8pp | 26.06%-1.0pp |
| Employer contribution / active EE | $691 | $1,556-55.6% | $2,399-71.2% | $2,596-73.4% |
| Participant deferral / active EE | $2,397 | $3,100-22.7% | $4,137-42.1% | $4,274-43.9% |
| Admin fee / account holder | $1,610 | $6,537-75.4% | $9,741-83.5% | $7,775-79.3% |