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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 | $79,231 | $76,834+3.1% | $108,359-26.9% | $87,485-9.4% |
| Participation rate | 50.7% | 61.7%-11.0pp | 70.1%-19.4pp | 68.9%-18.2pp |
| Annual return | 27.25% | 19.09%+8.2pp | 36.89%-9.6pp | 26.06%+1.2pp |
| Employer contribution / active EE | $1,075 | $1,556-30.9% | $2,399-55.2% | $2,596-58.6% |
| Participant deferral / active EE | $2,273 | $3,100-26.7% | $4,137-45.1% | $4,274-46.8% |
| Admin fee / account holder | $2,314 | $6,537-64.6% | $9,741-76.2% | $7,775-70.2% |