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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 | $124,759 | $132,310-5.7% | $105,754+18.0% | $273,972-54.5% |
| Participation rate | 50.0% | 83.2%-33.2pp | 78.9%-28.9pp | 83.0%-33.0pp |
| Annual return | 7.37% | 10.08%-2.7pp | 12.25%-4.9pp | 41.46%-34.1pp |
| Employer contribution / active EE | $1,535 | $4,867-68.5% | $4,079-62.4% | $4,869-68.5% |
| Participant deferral / active EE | $2,956 | $6,233-52.6% | $5,326-44.5% | $5,287-44.1% |
| Admin fee / account holder | $3,682 | $12,036-69.4% | $8,309-55.7% | $10,133-63.7% |