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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 | $37,142 | $81,487-54.4% | $102,412-63.7% | $80,935-54.1% |
| Participation rate | 68.4% | 66.8%+1.6pp | 74.5%-6.1pp | 67.7%+0.8pp |
| Annual return | 11.32% | 25.60%-14.3pp | 24.94%-13.6pp | 35.66%-24.3pp |
| Employer contribution / active EE | $1,837 | $3,103-40.8% | $3,870-52.5% | $2,757-33.4% |
| Participant deferral / active EE | $2,802 | $3,871-27.6% | $5,060-44.6% | $4,299-34.8% |
| Admin fee / account holder | $2,148 | $6,717-68.0% | $8,388-74.4% | $6,924-69.0% |