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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 | $41,330 | $76,407-45.9% | $150,298-72.5% | $82,448-49.9% |
| Participation rate | 66.0% | 66.4%-0.4pp | 77.8%-11.8pp | 68.1%-2.1pp |
| Annual return | 22.61% | 39.99%-17.4pp | 62.79%-40.2pp | 41.64%-19.0pp |
| Employer contribution / active EE | $1,950 | $2,614-25.4% | $4,154-53.1% | $2,551-23.6% |
| Participant deferral / active EE | $4,598 | $3,214+43.0% | $5,453-15.7% | $4,139+11.1% |
| Admin fee / account holder | $1,523 | $6,352-76.0% | $14,116-89.2% | $7,234-78.9% |