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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 | $60,131 | $73,978-18.7% | $96,515-37.7% | $75,173-20.0% |
| Participation rate | 69.4% | 66.4%+3.0pp | 74.3%-4.9pp | 67.2%+2.2pp |
| Annual return | 20.28% | 26.72%-6.4pp | 35.73%-15.4pp | 160.72%-140.4pp |
| Employer contribution / active EE | $2,644 | $2,931-9.8% | $3,740-29.3% | $2,671-1.0% |
| Participant deferral / active EE | $6,629 | $3,660+81.1% | $4,880+35.9% | $4,126+60.7% |
| Admin fee / account holder | $6,313 | $5,219+21.0% | $6,735-6.3% | $5,651+11.7% |