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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 | $81,930 | $81,504+0.5% | $102,437-20.0% | $80,959+1.2% |
| Participation rate | 57.1% | 66.9%-9.7pp | 74.5%-17.4pp | 67.7%-10.5pp |
| Annual return | 13.58% | 25.60%-12.0pp | 24.95%-11.4pp | 35.67%-22.1pp |
| Employer contribution / active EE | $886 | $3,104-71.4% | $3,871-77.1% | $2,757-67.8% |
| Participant deferral / active EE | $3,265 | $3,871-15.7% | $5,060-35.5% | $4,300-24.1% |
| Admin fee / account holder | $7,559 | $6,719+12.5% | $8,388-9.9% | $6,925+9.2% |