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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 | $43,266 | $80,985-46.6% | $96,576-55.2% | $75,181-42.5% |
| Participation rate | 61.1% | 71.8%-10.7pp | 76.0%-14.9pp | 67.2%-6.1pp |
| Annual return | 14.19% | 27.05%-12.9pp | 25.87%-11.7pp | 160.69%-146.5pp |
| Employer contribution / active EE | $1,505 | $2,282-34.0% | $2,965-49.2% | $2,671-43.6% |
| Participant deferral / active EE | $2,903 | $3,929-26.1% | $4,851-40.2% | $4,126-29.6% |
| Admin fee / account holder | $11,234 | $6,719+67.2% | $8,253+36.1% | $5,650+98.8% |