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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 | $73,104 | $63,845+14.5% | $81,370-10.2% | $80,959-9.7% |
| Participation rate | 50.0% | 63.9%-13.9pp | 69.5%-19.5pp | 67.7%-17.7pp |
| Annual return | 17.05% | 16.37%+0.7pp | 24.85%-7.8pp | 35.67%-18.6pp |
| Employer contribution / active EE | $0 | $1,980-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $5,287 | $3,093+70.9% | $3,885+36.1% | $4,300+22.9% |
| Admin fee / account holder | $870 | $5,688-84.7% | $5,749-84.9% | $6,925-87.4% |