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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 | $64,534 | $45,872+40.7% | $77,096-16.3% | $68,486-5.8% |
| Participation rate | 42.4% | 55.9%-13.5pp | 67.9%-25.5pp | 67.9%-25.5pp |
| Annual return | -18.06% | 1.73%-19.8pp | 42.35%-60.4pp | -7.85%-10.2pp |
| Employer contribution / active EE | $1,241 | $1,650-24.7% | $2,814-55.9% | $2,597-52.2% |
| Participant deferral / active EE | $3,497 | $2,963+18.0% | $4,429-21.1% | $4,028-13.2% |
| Admin fee / account holder | $803 | $3,041-73.6% | $5,428-85.2% | $5,404-85.1% |