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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 | $142,407 | $162,967-12.6% | $135,792+4.9% | $138,895+2.5% |
| Participation rate | 53.8% | 78.3%-24.5pp | 72.6%-18.7pp | 79.9%-26.1pp |
| Annual return | 12.56% | 30.08%-17.5pp | 25.96%-13.4pp | 145.39%-132.8pp |
| Employer contribution / active EE | $3,352 | $4,211-20.4% | $3,496-4.1% | $4,194-20.1% |
| Participant deferral / active EE | $3,025 | $5,640-46.4% | $4,759-36.4% | $6,396-52.7% |
| Admin fee / account holder | $11,104 | $15,306-27.5% | $12,266-9.5% | $12,562-11.6% |