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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 | $68,684 | $83,369-17.6% | $105,223-34.7% | $67,986+1.0% |
| Participation rate | 49.2% | 56.3%-7.1pp | 75.0%-25.9pp | 57.2%-8.1pp |
| Annual return | 14.37% | 24.64%-10.3pp | 180.65%-166.3pp | 31.67%-17.3pp |
| Employer contribution / active EE | $2,355 | $2,541-7.3% | $3,689-36.2% | $2,019+16.6% |
| Participant deferral / active EE | $5,236 | $3,295+58.9% | $5,072+3.2% | $3,358+55.9% |
| Admin fee / account holder | $10,881 | $4,073+167.2% | $8,859+22.8% | $3,203+239.7% |