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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 | $44,171 | $80,992-45.5% | $96,534-54.2% | $75,173-41.2% |
| Participation rate | 58.4% | 71.8%-13.3pp | 76.0%-17.5pp | 67.2%-8.8pp |
| Annual return | 14.26% | 27.05%-12.8pp | 25.88%-11.6pp | 160.72%-146.5pp |
| Employer contribution / active EE | $1,531 | $2,283-32.9% | $2,965-48.4% | $2,671-42.7% |
| Participant deferral / active EE | $4,038 | $3,929+2.8% | $4,851-16.8% | $4,126-2.1% |
| Admin fee / account holder | $1,522 | $6,717-77.3% | $8,253-81.6% | $5,651-73.1% |