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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 | $83,013 | $72,273+14.9% | $101,275-18.0% | $79,856+4.0% |
| Participation rate | 42.4% | 68.5%-26.0pp | 75.8%-33.4pp | 69.6%-27.2pp |
| Annual return | 13.42% | 22.30%-8.9pp | 46.48%-33.1pp | 31.71%-18.3pp |
| Employer contribution / active EE | $1,005 | $2,691-62.7% | $3,660-72.5% | $2,471-59.3% |
| Participant deferral / active EE | $2,428 | $3,282-26.0% | $4,371-44.5% | $3,741-35.1% |
| Admin fee / account holder | $714 | $4,401-83.8% | $5,948-88.0% | $5,306-86.5% |