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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 | $12,705 | $58,099-78.1% | $76,872-83.5% | $75,173-83.1% |
| Participation rate | 67.9% | 63.9%+4.0pp | 69.6%-1.7pp | 67.2%+0.7pp |
| Annual return | 22.91% | 26.71%-3.8pp | 37.90%-15.0pp | 160.72%-137.8pp |
| Employer contribution / active EE | $1,742 | $1,996-12.7% | $2,533-31.2% | $2,671-34.8% |
| Participant deferral / active EE | $2,470 | $2,999-17.6% | $3,832-35.5% | $4,126-40.1% |
| Admin fee / account holder | $866 | $4,778-81.9% | $5,476-84.2% | $5,651-84.7% |