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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 | $52,633 | $57,590-8.6% | $86,233-39.0% | $82,448-36.2% |
| Participation rate | 45.3% | 57.9%-12.6pp | 69.0%-23.7pp | 68.1%-22.8pp |
| Annual return | 22.86% | 22.41%+0.4pp | 61.39%-38.5pp | 41.64%-18.8pp |
| Employer contribution / active EE | $1,318 | $1,655-20.4% | $2,504-47.4% | $2,551-48.3% |
| Participant deferral / active EE | $2,540 | $3,080-17.5% | $4,559-44.3% | $4,139-38.6% |
| Admin fee / account holder | $1,002 | $4,730-78.8% | $8,342-88.0% | $7,234-86.2% |