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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 | $66,503 | $167,415-60.3% | $140,514-52.7% | $198,609-66.5% |
| Participation rate | 60.0% | 80.9%-20.9pp | 77.8%-17.8pp | 82.4%-22.4pp |
| Annual return | 17.13% | 13.85%+3.3pp | 14.36%+2.8pp | 202.70%-185.6pp |
| Employer contribution / active EE | $1,945 | $4,088-52.4% | $3,378-42.4% | $5,055-61.5% |
| Participant deferral / active EE | $4,003 | $5,579-28.3% | $4,919-18.6% | $6,977-42.6% |
| Admin fee / account holder | $995 | $16,730-94.1% | $13,697-92.7% | $19,030-94.8% |