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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 | $64,502 | $36,948+74.6% | $73,658-12.4% | $87,485-26.3% |
| Participation rate | 47.9% | 46.8%+1.1pp | 57.0%-9.2pp | 68.9%-21.0pp |
| Annual return | 17.97% | 28.64%-10.7pp | 29.72%-11.7pp | 26.06%-8.1pp |
| Employer contribution / active EE | $1,813 | $670+170.5% | $1,032+75.6% | $2,596-30.2% |
| Participant deferral / active EE | $5,733 | $1,379+315.8% | $2,062+178.1% | $4,274+34.2% |
| Admin fee / account holder | $2,283 | $2,531-9.8% | $3,357-32.0% | $7,775-70.6% |