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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 | $70,684 | $65,367+8.1% | $92,915-23.9% | $72,976-3.1% |
| Participation rate | 51.7% | 68.3%-16.6pp | 76.0%-24.3pp | 69.5%-17.8pp |
| Annual return | 21.57% | 42.11%-20.5pp | 109.45%-87.9pp | 81.02%-59.4pp |
| Employer contribution / active EE | $637 | $2,594-75.5% | $3,653-82.6% | $2,440-73.9% |
| Participant deferral / active EE | $3,493 | $3,128+11.6% | $4,238-17.6% | $3,608-3.2% |
| Admin fee / account holder | $3,576 | $4,251-15.9% | $5,796-38.3% | $5,124-30.2% |