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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 | $97,420 | $107,809-9.6% | $97,032+0.4% | $155,188-37.2% |
| Participation rate | 62.5% | 75.5%-13.0pp | 71.6%-9.1pp | 80.8%-18.3pp |
| Annual return | 17.89% | 38.06%-20.2pp | 35.38%-17.5pp | 148.84%-131.0pp |
| Employer contribution / active EE | $2,006 | $2,911-31.1% | $2,629-23.7% | $4,248-52.8% |
| Participant deferral / active EE | $5,271 | $5,129+2.8% | $4,672+12.8% | $6,531-19.3% |
| Admin fee / account holder | $3,382 | $10,717-68.4% | $9,418-64.1% | $14,480-76.6% |