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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 | $111,820 | $77,896+43.6% | $134,172-16.7% | $82,448+35.6% |
| Participation rate | 60.0% | 62.8%-2.8pp | 72.5%-12.5pp | 68.1%-8.1pp |
| Annual return | 15.17% | 18.21%-3.0pp | 25.30%-10.1pp | 41.64%-26.5pp |
| Employer contribution / active EE | $1,425 | $2,159-34.0% | $3,420-58.3% | $2,551-44.1% |
| Participant deferral / active EE | $5,508 | $3,162+74.2% | $4,690+17.4% | $4,139+33.1% |
| Admin fee / account holder | $2,295 | $6,336-63.8% | $12,016-80.9% | $7,234-68.3% |