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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 | $67,797 | $78,015-13.1% | $178,505-62.0% | $80,959-16.3% |
| Participation rate | 40.0% | 65.7%-25.7pp | 77.1%-37.1pp | 67.7%-27.7pp |
| Annual return | 17.60% | 18.10%-0.5pp | 27.16%-9.6pp | 35.67%-18.1pp |
| Employer contribution / active EE | $1,653 | $2,281-27.5% | $3,955-58.2% | $2,757-40.0% |
| Participant deferral / active EE | $2,398 | $4,406-45.6% | $6,280-61.8% | $4,300-44.2% |
| Admin fee / account holder | $970 | $7,160-86.5% | $10,428-90.7% | $6,925-86.0% |