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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 | $51,684 | $95,453-45.9% | $112,040-53.9% | $82,448-37.3% |
| Participation rate | 68.9% | 72.8%-3.9pp | 76.5%-7.6pp | 68.1%+0.8pp |
| Annual return | 12.99% | 23.92%-10.9pp | 24.52%-11.5pp | 41.64%-28.6pp |
| Employer contribution / active EE | $1,713 | $2,318-26.1% | $2,954-42.0% | $2,551-32.9% |
| Participant deferral / active EE | $3,149 | $4,224-25.4% | $5,098-38.2% | $4,139-23.9% |
| Admin fee / account holder | $1,614 | $9,013-82.1% | $12,098-86.7% | $7,234-77.7% |