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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 | $56,721 | $81,358-30.3% | $155,556-63.5% | $80,959-29.9% |
| Participation rate | 63.1% | 66.3%-3.2pp | 78.2%-15.1pp | 67.7%-4.6pp |
| Annual return | 12.66% | 33.39%-20.7pp | 64.84%-52.2pp | 35.67%-23.0pp |
| Employer contribution / active EE | $2,035 | $3,106-34.5% | $4,675-56.5% | $2,757-26.2% |
| Participant deferral / active EE | $3,504 | $3,455+1.4% | $5,631-37.8% | $4,300-18.5% |
| Admin fee / account holder | $1,102 | $7,994-86.2% | $15,885-93.1% | $6,925-84.1% |