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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 | $88,966 | $57,057+55.9% | $85,009+4.7% | $80,874+10.0% |
| Participation rate | 40.5% | 56.4%-15.9pp | 67.5%-27.0pp | 67.6%-27.2pp |
| Annual return | 16.44% | 21.66%-5.2pp | 66.47%-50.0pp | 35.62%-19.2pp |
| Employer contribution / active EE | $1,241 | $1,799-31.0% | $2,728-54.5% | $2,756-55.0% |
| Participant deferral / active EE | $3,645 | $3,112+17.1% | $4,522-19.4% | $4,297-15.2% |
| Admin fee / account holder | $1,675 | $4,986-66.4% | $6,153-72.8% | $6,935-75.8% |