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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 | $10,908 | $60,442-82.0% | $96,754-88.7% | $87,485-87.5% |
| Participation rate | 69.2% | 58.7%+10.5pp | 70.3%-1.0pp | 68.9%+0.3pp |
| Annual return | 22.63% | 21.97%+0.7pp | 82.04%-59.4pp | 26.06%-3.4pp |
| Employer contribution / active EE | $1,232 | $1,691-27.2% | $2,679-54.0% | $2,596-52.6% |
| Participant deferral / active EE | $1,689 | $3,280-48.5% | $4,758-64.5% | $4,274-60.5% |
| Admin fee / account holder | $610 | $5,069-88.0% | $8,905-93.2% | $7,775-92.2% |