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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 | $38,693 | $58,627-34.0% | $76,735-49.6% | $82,448-53.1% |
| Participation rate | 44.2% | 63.2%-19.0pp | 69.5%-25.3pp | 68.1%-23.9pp |
| Annual return | 15.49% | 39.10%-23.6pp | 29.77%-14.3pp | 41.64%-26.1pp |
| Employer contribution / active EE | $1,697 | $1,729-1.9% | $2,454-30.9% | $2,551-33.5% |
| Participant deferral / active EE | $2,740 | $3,134-12.6% | $4,088-33.0% | $4,139-33.8% |
| Admin fee / account holder | $3,276 | $5,323-38.5% | $7,189-54.4% | $7,234-54.7% |