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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 | $56,064 | $80,992-30.8% | $96,534-41.9% | $75,173-25.4% |
| Participation rate | 64.1% | 71.8%-7.7pp | 76.0%-11.9pp | 67.2%-3.1pp |
| Annual return | 18.70% | 27.05%-8.4pp | 25.88%-7.2pp | 160.72%-142.0pp |
| Employer contribution / active EE | $2,117 | $2,283-7.3% | $2,965-28.6% | $2,671-20.7% |
| Participant deferral / active EE | $6,236 | $3,929+58.7% | $4,851+28.6% | $4,126+51.1% |
| Admin fee / account holder | $1,478 | $6,717-78.0% | $8,253-82.1% | $5,651-73.8% |