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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 | $48,947 | $46,599+5.0% | $64,101-23.6% | $75,173-34.9% |
| Participation rate | 59.2% | 65.9%-6.8pp | 72.3%-13.1pp | 67.2%-8.0pp |
| Annual return | 24.73% | 26.06%-1.3pp | 33.72%-9.0pp | 160.72%-136.0pp |
| Employer contribution / active EE | $1,418 | $1,975-28.2% | $2,749-48.4% | $2,671-46.9% |
| Participant deferral / active EE | $3,312 | $2,837+16.7% | $3,881-14.7% | $4,126-19.7% |
| Admin fee / account holder | $5,957 | $2,956+101.5% | $3,070+94.0% | $5,651+5.4% |