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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 | $36,059 | $77,574-53.5% | $108,753-66.8% | $86,983-58.5% |
| Participation rate | 57.1% | 62.3%-5.2pp | 71.1%-13.9pp | 69.5%-12.4pp |
| Annual return | 15.41% | 18.42%-3.0pp | 37.47%-22.1pp | 25.83%-10.4pp |
| Employer contribution / active EE | $1,242 | $1,611-22.9% | $2,427-48.8% | $2,584-52.0% |
| Participant deferral / active EE | $2,264 | $3,128-27.6% | $4,115-45.0% | $4,194-46.0% |
| Admin fee / account holder | $2,914 | $6,529-55.4% | $10,320-71.8% | $7,856-62.9% |