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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 | $61,143 | $93,617-34.7% | $135,982-55.0% | $75,177-18.7% |
| Participation rate | 59.3% | 75.2%-15.9pp | 81.9%-22.7pp | 67.2%-7.9pp |
| Annual return | 19.77% | 30.89%-11.1pp | 68.32%-48.6pp | 160.75%-141.0pp |
| Employer contribution / active EE | $4,026 | $3,538+13.8% | $4,859-17.1% | $2,671+50.7% |
| Participant deferral / active EE | $4,297 | $6,406-32.9% | $7,760-44.6% | $4,126+4.1% |
| Admin fee / account holder | $685 | $6,980-90.2% | $10,767-93.6% | $5,651-87.9% |