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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 | $31,309 | $81,476-61.6% | $102,383-69.4% | $80,925-61.3% |
| Participation rate | 64.1% | 66.8%-2.7pp | 74.5%-10.4pp | 67.7%-3.6pp |
| Annual return | 22.21% | 25.59%-3.4pp | 24.94%-2.7pp | 35.65%-13.4pp |
| Employer contribution / active EE | $2,413 | $3,105-22.3% | $3,870-37.7% | $2,756-12.5% |
| Participant deferral / active EE | $3,260 | $3,871-15.8% | $5,060-35.6% | $4,299-24.2% |
| Admin fee / account holder | $945 | $6,717-85.9% | $8,391-88.7% | $6,940-86.4% |