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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 | $71,735 | $77,523-7.5% | $100,383-28.5% | $80,874-11.3% |
| Participation rate | 64.9% | 77.0%-12.1pp | 81.5%-16.6pp | 67.6%-2.8pp |
| Annual return | 16.83% | 37.21%-20.4pp | 49.26%-32.4pp | 35.62%-18.8pp |
| Employer contribution / active EE | $3,261 | $2,801+16.4% | $3,944-17.3% | $2,756+18.3% |
| Participant deferral / active EE | $4,847 | $6,822-28.9% | $8,086-40.1% | $4,297+12.8% |
| Admin fee / account holder | $725 | $5,899-87.7% | $7,900-90.8% | $6,935-89.5% |