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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 | $87,831 | $106,524-17.5% | $152,301-42.3% | $87,485+0.4% |
| Participation rate | 47.9% | 75.8%-27.8pp | 82.4%-34.5pp | 68.9%-21.0pp |
| Annual return | 19.25% | 26.89%-7.6pp | 80.50%-61.3pp | 26.06%-6.8pp |
| Employer contribution / active EE | $1,402 | $3,371-58.4% | $4,624-69.7% | $2,596-46.0% |
| Participant deferral / active EE | $2,583 | $6,525-60.4% | $8,004-67.7% | $4,274-39.6% |
| Admin fee / account holder | $1,849 | $8,287-77.7% | $14,398-87.2% | $7,775-76.2% |