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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 | $46,661 | $86,332-46.0% | $125,180-62.7% | $65,185-28.4% |
| Participation rate | 66.0% | 75.3%-9.3pp | 79.8%-13.7pp | 70.2%-4.2pp |
| Annual return | 23.57% | 27.43%-3.9pp | 43.79%-20.2pp | 29.38%-5.8pp |
| Employer contribution / active EE | $1,375 | $2,040-32.6% | $3,866-64.4% | $2,177-36.9% |
| Participant deferral / active EE | $3,970 | $3,537+12.2% | $4,937-19.6% | $3,514+13.0% |
| Admin fee / account holder | $3,367 | $609+452.7% | $9,703-65.3% | $847+297.5% |