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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 | $100,386 | $153,311-34.5% | $109,313-8.2% | $273,972-63.4% |
| Participation rate | 62.5% | 80.1%-17.6pp | 71.3%-8.8pp | 83.0%-20.5pp |
| Annual return | 7.16% | 29.86%-22.7pp | 22.07%-14.9pp | 41.46%-34.3pp |
| Employer contribution / active EE | $0 | $5,619-100.0% | $3,892-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,105 | $3,932-46.5% | $3,166-33.5% | $5,287-60.2% |
| Admin fee / account holder | $485 | $8,076-94.0% | $5,666-91.4% | $10,133-95.2% |