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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 | $93,945 | $46,697+101.2% | $117,529-20.1% | $68,490+37.2% |
| Participation rate | 23.4% | 56.8%-33.3pp | 70.6%-47.2pp | 67.9%-44.5pp |
| Annual return | -15.14% | -14.52%-0.6pp | 29.77%-44.9pp | -7.85%-7.3pp |
| Employer contribution / active EE | $1,232 | $1,506-18.2% | $4,179-70.5% | $2,597-52.5% |
| Participant deferral / active EE | $2,963 | $2,637+12.3% | $4,072-27.2% | $4,028-26.4% |
| Admin fee / account holder | $5,149 | $4,023+28.0% | $5,645-8.8% | $5,403-4.7% |