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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 | $63,115 | $86,949-27.4% | $102,460-38.4% | $80,959-22.0% |
| Participation rate | 69.6% | 72.4%-2.8pp | 76.5%-6.9pp | 67.7%+1.9pp |
| Annual return | 12.96% | 18.89%-5.9pp | 29.47%-16.5pp | 35.67%-22.7pp |
| Employer contribution / active EE | $1,313 | $2,370-44.6% | $3,025-56.6% | $2,757-52.4% |
| Participant deferral / active EE | $3,427 | $4,121-16.8% | $5,056-32.2% | $4,300-20.3% |
| Admin fee / account holder | $937 | $8,048-88.4% | $9,460-90.1% | $6,925-86.5% |