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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 | $125,743 | $184,014-31.7% | $161,149-22.0% | $138,895-9.5% |
| Participation rate | 27.3% | 82.1%-54.8pp | 78.8%-51.6pp | 79.9%-52.6pp |
| Annual return | 11.81% | 21.52%-9.7pp | 21.16%-9.3pp | 145.39%-133.6pp |
| Employer contribution / active EE | $1,472 | $5,055-70.9% | $4,360-66.2% | $4,194-64.9% |
| Participant deferral / active EE | $2,783 | $6,909-59.7% | $6,153-54.8% | $6,396-56.5% |
| Admin fee / account holder | $1,285 | $18,027-92.9% | $15,194-91.5% | $12,562-89.8% |