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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 | $82,188 | $81,476+0.9% | $102,383-19.7% | $80,925+1.6% |
| Participation rate | 30.3% | 66.8%-36.5pp | 74.5%-44.2pp | 67.7%-37.4pp |
| Annual return | 17.35% | 25.59%-8.2pp | 24.94%-7.6pp | 35.65%-18.3pp |
| Employer contribution / active EE | $1,319 | $3,105-57.5% | $3,870-65.9% | $2,756-52.2% |
| Participant deferral / active EE | $2,611 | $3,871-32.6% | $5,060-48.4% | $4,299-39.3% |
| Admin fee / account holder | $3,268 | $6,717-51.4% | $8,391-61.1% | $6,940-52.9% |