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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 | $75,541-18.4% | $152,093-59.5% | $82,637-25.4% |
| Participation rate | 68.9% | 66.5%+2.3pp | 77.8%-8.9pp | 68.1%+0.8pp |
| Annual return | 17.53% | 32.56%-15.0pp | 66.36%-48.8pp | 53.51%-36.0pp |
| Employer contribution / active EE | $2,447 | $2,622-6.7% | $4,175-41.4% | $2,552-4.1% |
| Participant deferral / active EE | $4,026 | $3,206+25.6% | $5,451-26.2% | $4,126-2.4% |
| Admin fee / account holder | $10,399 | $6,405+62.4% | $14,497-28.3% | $7,339+41.7% |