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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 | $65,690 | $65,367+0.5% | $92,915-29.3% | $72,976-10.0% |
| Participation rate | 19.4% | 68.3%-49.0pp | 76.0%-56.7pp | 69.5%-50.1pp |
| Annual return | 23.35% | 42.11%-18.8pp | 109.45%-86.1pp | 81.02%-57.7pp |
| Employer contribution / active EE | $1,330 | $2,594-48.7% | $3,653-63.6% | $2,440-45.5% |
| Participant deferral / active EE | $2,677 | $3,128-14.4% | $4,238-36.8% | $3,608-25.8% |
| Admin fee / account holder | $9,459 | $4,251+122.5% | $5,796+63.2% | $5,124+84.6% |