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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 | $51,671 | $88,672-41.7% | $105,223-50.9% | $82,448-37.3% |
| Participation rate | 69.6% | 67.9%+1.6pp | 75.0%-5.5pp | 68.1%+1.5pp |
| Annual return | 16.72% | 30.86%-14.1pp | 180.65%-163.9pp | 41.64%-24.9pp |
| Employer contribution / active EE | $1,824 | $3,048-40.2% | $3,689-50.6% | $2,551-28.5% |
| Participant deferral / active EE | $4,233 | $4,036+4.9% | $5,072-16.5% | $4,139+2.3% |
| Admin fee / account holder | $1,741 | $7,146-75.6% | $8,859-80.3% | $7,234-75.9% |