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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 | $60,948 | $51,207+19.0% | $70,565-13.6% | $71,529-14.8% |
| Participation rate | 39.1% | 59.4%-20.3pp | 68.4%-29.2pp | 67.9%-28.8pp |
| Annual return | 15.89% | 42.71%-26.8pp | 32.79%-16.9pp | 28.97%-13.1pp |
| Employer contribution / active EE | $1,063 | $1,795-40.8% | $2,976-64.3% | $2,590-58.9% |
| Participant deferral / active EE | $2,028 | $3,033-33.1% | $4,568-55.6% | $4,291-52.7% |
| Admin fee / account holder | $5,639 | $2,002+181.7% | $6,430-12.3% | $1,588+255.0% |