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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 | $77,910 | $73,863+5.5% | $143,797-45.8% | $68,490+13.8% |
| Participation rate | 43.5% | 66.7%-23.2pp | 80.3%-36.8pp | 67.9%-24.4pp |
| Annual return | -6.14% | 0.91%-7.1pp | -0.04%-6.1pp | -7.85%+1.7pp |
| Employer contribution / active EE | $3,066 | $3,185-3.7% | $4,952-38.1% | $2,597+18.1% |
| Participant deferral / active EE | $5,782 | $3,385+70.8% | $5,638+2.5% | $4,028+43.5% |
| Admin fee / account holder | $9,789 | $5,756+70.1% | $14,679-33.3% | $5,403+81.2% |