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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 | $71,427 | $45,082+58.4% | $69,464+2.8% | $72,975-2.1% |
| Participation rate | 68.6% | 68.5%+0.1pp | 74.6%-6.0pp | 69.5%-0.9pp |
| Annual return | 19.01% | 22.66%-3.6pp | 28.98%-10.0pp | 81.01%-62.0pp |
| Employer contribution / active EE | $431 | $2,055-79.0% | $2,779-84.5% | $2,440-82.3% |
| Participant deferral / active EE | $3,731 | $2,604+43.3% | $3,536+5.5% | $3,608+3.4% |
| Admin fee / account holder | $2,672 | $3,057-12.6% | $3,840-30.4% | $5,124-47.8% |