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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 | $62,929 | $86,940-27.6% | $102,434-38.6% | $80,935-22.2% |
| Participation rate | 69.6% | 72.4%-2.7pp | 76.5%-6.9pp | 67.7%+2.0pp |
| Annual return | 14.39% | 18.89%-4.5pp | 29.46%-15.1pp | 35.66%-21.3pp |
| Employer contribution / active EE | $1,803 | $2,370-23.9% | $3,023-40.4% | $2,757-34.6% |
| Participant deferral / active EE | $5,526 | $4,121+34.1% | $5,055+9.3% | $4,299+28.5% |
| Admin fee / account holder | $2,196 | $8,047-72.7% | $9,462-76.8% | $6,924-68.3% |