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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 | $46,195 | $60,349-23.5% | $74,184-37.7% | $62,881-26.5% |
| Participation rate | 65.5% | 72.7%-7.2pp | 76.6%-11.1pp | 69.3%-3.8pp |
| Annual return | 7.67% | 21.38%-13.7pp | 17.74%-10.1pp | 20.14%-12.5pp |
| Employer contribution / active EE | $1,716 | $1,680+2.1% | $2,370-27.6% | $2,281-24.8% |
| Participant deferral / active EE | $4,019 | $2,856+40.7% | $3,550+13.2% | $3,203+25.5% |
| Admin fee / account holder | $2,063 | $4,261-51.6% | $5,586-63.1% | $4,296-52.0% |