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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 | $39,527 | $116,167-66.0% | $64,489-38.7% | $137,256-71.2% |
| Participation rate | 66.7% | 68.2%-1.5pp | 67.7%-1.0pp | 80.0%-13.3pp |
| Annual return | 7.46% | 36.55%-29.1pp | 55.03%-47.6pp | 220.34%-212.9pp |
| Employer contribution / active EE | $2,118 | $2,483-14.7% | $1,523+39.1% | $4,156-49.0% |
| Participant deferral / active EE | $4,812 | $4,215+14.2% | $2,778+73.2% | $6,407-24.9% |
| Admin fee / account holder | $4,054 | $6,188-34.5% | $4,260-4.8% | $12,270-67.0% |