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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 | $44,458 | $45,312-1.9% | $86,233-48.4% | $67,986-34.6% |
| Participation rate | 43.2% | 42.4%+0.8pp | 69.0%-25.8pp | 57.2%-14.0pp |
| Annual return | 19.52% | 24.79%-5.3pp | 61.39%-41.9pp | 31.67%-12.1pp |
| Employer contribution / active EE | $1,180 | $1,160+1.8% | $2,504-52.9% | $2,019-41.5% |
| Participant deferral / active EE | $1,568 | $2,185-28.2% | $4,559-65.6% | $3,358-53.3% |
| Admin fee / account holder | $1,958 | $3,295-40.6% | $8,342-76.5% | $3,203-38.9% |