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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 | $70,258 | $78,682-10.7% | $109,188-35.7% | $85,851-18.2% |
| Participation rate | 60.0% | 68.3%-8.3pp | 75.9%-15.9pp | 69.3%-9.3pp |
| Annual return | 14.30% | 25.09%-10.8pp | 25.76%-11.5pp | 318.63%-304.3pp |
| Employer contribution / active EE | $1,670 | $2,734-38.9% | $3,723-55.1% | $2,565-34.9% |
| Participant deferral / active EE | $4,076 | $3,468+17.5% | $4,654-12.4% | $3,952+3.1% |
| Admin fee / account holder | $8,014 | $5,470+46.5% | $6,755+18.6% | $6,261+28.0% |