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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 | $80,964 | $181,896-55.5% | $156,551-48.3% | $273,972-70.4% |
| Participation rate | 60.0% | 88.4%-28.4pp | 84.0%-24.0pp | 83.0%-23.0pp |
| Annual return | 8.39% | 30.74%-22.4pp | 32.23%-23.8pp | 41.46%-33.1pp |
| Employer contribution / active EE | $1,547 | $6,248-75.2% | $5,501-71.9% | $4,869-68.2% |
| Participant deferral / active EE | $7,670 | $5,550+38.2% | $4,871+57.5% | $5,287+45.1% |
| Admin fee / account holder | $381 | $15,560-97.6% | $13,028-97.1% | $10,133-96.2% |