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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 | $28,303 | $65,367-56.7% | $92,915-69.5% | $72,976-61.2% |
| Participation rate | 65.5% | 68.3%-2.8pp | 76.0%-10.5pp | 69.5%-4.0pp |
| Annual return | 26.05% | 42.11%-16.1pp | 109.45%-83.4pp | 81.02%-55.0pp |
| Employer contribution / active EE | $2,046 | $2,594-21.1% | $3,653-44.0% | $2,440-16.1% |
| Participant deferral / active EE | $3,424 | $3,128+9.4% | $4,238-19.2% | $3,608-5.1% |
| Admin fee / account holder | $361 | $4,251-91.5% | $5,796-93.8% | $5,124-93.0% |