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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 | $55,239 | $58,627-5.8% | $76,735-28.0% | $82,448-33.0% |
| Participation rate | 44.4% | 63.2%-18.8pp | 69.5%-25.1pp | 68.1%-23.6pp |
| Annual return | 20.36% | 39.10%-18.7pp | 29.77%-9.4pp | 41.64%-21.3pp |
| Employer contribution / active EE | $2,553 | $1,729+47.7% | $2,454+4.0% | $2,551+0.1% |
| Participant deferral / active EE | $4,510 | $3,134+43.9% | $4,088+10.3% | $4,139+8.9% |
| Admin fee / account holder | $3,469 | $5,323-34.8% | $7,189-51.8% | $7,234-52.1% |