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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 | $87,375 | $72,273+20.9% | $101,275-13.7% | $79,856+9.4% |
| Participation rate | 43.2% | 68.5%-25.3pp | 75.8%-32.7pp | 69.6%-26.5pp |
| Annual return | 15.52% | 22.30%-6.8pp | 46.48%-31.0pp | 31.71%-16.2pp |
| Employer contribution / active EE | $1,429 | $2,691-46.9% | $3,660-61.0% | $2,471-42.2% |
| Participant deferral / active EE | $2,517 | $3,282-23.3% | $4,371-42.4% | $3,741-32.7% |
| Admin fee / account holder | $4,117 | $4,401-6.5% | $5,948-30.8% | $5,306-22.4% |