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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 | $42,919 | $90,400-52.5% | $186,193-76.9% | $87,485-50.9% |
| Participation rate | 48.1% | 66.2%-18.1pp | 77.1%-29.1pp | 68.9%-20.9pp |
| Annual return | 20.04% | 22.15%-2.1pp | 78.03%-58.0pp | 26.06%-6.0pp |
| Employer contribution / active EE | $3,310 | $2,170+52.5% | $3,918-15.5% | $2,596+27.5% |
| Participant deferral / active EE | $5,162 | $4,330+19.2% | $6,513-20.7% | $4,274+20.8% |
| Admin fee / account holder | $2,579 | $8,673-70.3% | $11,058-76.7% | $7,775-66.8% |