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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 | $83,608 | $72,273+15.7% | $101,275-17.4% | $79,856+4.7% |
| Participation rate | 68.7% | 68.5%+0.2pp | 75.8%-7.2pp | 69.6%-1.0pp |
| Annual return | 15.82% | 22.30%-6.5pp | 46.48%-30.7pp | 31.71%-15.9pp |
| Employer contribution / active EE | $3,012 | $2,691+11.9% | $3,660-17.7% | $2,471+21.9% |
| Participant deferral / active EE | $6,283 | $3,282+91.5% | $4,371+43.8% | $3,741+68.0% |
| Admin fee / account holder | $2,765 | $4,401-37.2% | $5,948-53.5% | $5,306-47.9% |