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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 | $54,155 | $71,878-24.7% | $86,698-37.5% | $68,486-20.9% |
| Participation rate | 68.9% | 72.2%-3.4pp | 76.6%-7.7pp | 67.9%+1.0pp |
| Annual return | -9.68% | 3.53%-13.2pp | 35.95%-45.6pp | -7.85%-1.8pp |
| Employer contribution / active EE | $1,435 | $2,173-34.0% | $2,837-49.4% | $2,597-44.7% |
| Participant deferral / active EE | $2,389 | $3,779-36.8% | $4,656-48.7% | $4,028-40.7% |
| Admin fee / account holder | $2,798 | $6,113-54.2% | $7,493-62.7% | $5,404-48.2% |