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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 | $28,805 | $81,504-64.7% | $102,437-71.9% | $80,959-64.4% |
| Participation rate | 65.8% | 66.9%-1.1pp | 74.5%-8.7pp | 67.7%-1.9pp |
| Annual return | 18.35% | 25.60%-7.2pp | 24.95%-6.6pp | 35.67%-17.3pp |
| Employer contribution / active EE | $3,178 | $3,104+2.4% | $3,871-17.9% | $2,757+15.3% |
| Participant deferral / active EE | $9,017 | $3,871+132.9% | $5,060+78.2% | $4,300+109.7% |
| Admin fee / account holder | $584 | $6,719-91.3% | $8,388-93.0% | $6,925-91.6% |