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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 | $56,347 | $81,276-30.7% | $155,574-63.8% | $80,925-30.4% |
| Participation rate | 51.2% | 66.2%-15.1pp | 78.2%-27.0pp | 67.7%-16.5pp |
| Annual return | 14.26% | 33.36%-19.1pp | 64.87%-50.6pp | 35.65%-21.4pp |
| Employer contribution / active EE | $1,427 | $3,103-54.0% | $4,676-69.5% | $2,756-48.2% |
| Participant deferral / active EE | $5,194 | $3,453+50.4% | $5,629-7.7% | $4,299+20.8% |
| Admin fee / account holder | $670 | $7,993-91.6% | $15,914-95.8% | $6,940-90.3% |