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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 | $56,222 | $42,383+32.7% | $76,518-26.5% | $64,173-12.4% |
| Participation rate | 69.2% | 58.1%+11.1pp | 68.0%+1.2pp | 69.6%-0.3pp |
| Annual return | -4.42% | -16.54%+12.1pp | -0.27%-4.1pp | 7.63%-12.1pp |
| Employer contribution / active EE | $1,512 | $1,563-3.3% | $2,647-42.9% | $2,381-36.5% |
| Participant deferral / active EE | $4,148 | $2,566+61.6% | $3,836+8.1% | $3,470+19.5% |
| Admin fee / account holder | $1,149 | $3,198-64.1% | $4,849-76.3% | $4,887-76.5% |