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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 | $61,662 | $76,407-19.3% | $150,298-59.0% | $82,448-25.2% |
| Participation rate | 68.9% | 66.4%+2.5pp | 77.8%-8.9pp | 68.1%+0.8pp |
| Annual return | 17.53% | 39.99%-22.5pp | 62.79%-45.3pp | 41.64%-24.1pp |
| Employer contribution / active EE | $2,447 | $2,614-6.4% | $4,154-41.1% | $2,551-4.1% |
| Participant deferral / active EE | $4,026 | $3,214+25.2% | $5,453-26.2% | $4,139-2.7% |
| Admin fee / account holder | $10,399 | $6,352+63.7% | $14,116-26.3% | $7,234+43.7% |