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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 | $65,986 | $77,817-15.2% | $123,553-46.6% | $64,173+2.8% |
| Participation rate | 68.7% | 74.7%-6.1pp | 82.3%-13.6pp | 69.6%-0.9pp |
| Annual return | 19.53% | 12.49%+7.0pp | 119.21%-99.7pp | 7.63%+11.9pp |
| Employer contribution / active EE | $2,845 | $3,014-5.6% | $4,628-38.5% | $2,381+19.5% |
| Participant deferral / active EE | $7,968 | $5,240+52.1% | $6,426+24.0% | $3,470+129.7% |
| Admin fee / account holder | $4,707 | $5,519-14.7% | $9,284-49.3% | $4,887-3.7% |