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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 | $48,679 | $57,073-14.7% | $85,126-42.8% | $80,925-39.8% |
| Participation rate | 53.5% | 56.4%-2.9pp | 67.5%-14.0pp | 67.7%-14.2pp |
| Annual return | 10.56% | 21.69%-11.1pp | 66.63%-56.1pp | 35.65%-25.1pp |
| Employer contribution / active EE | $1,518 | $1,801-15.7% | $2,731-44.4% | $2,756-44.9% |
| Participant deferral / active EE | $2,768 | $3,113-11.1% | $4,523-38.8% | $4,299-35.6% |
| Admin fee / account holder | $1,538 | $4,988-69.2% | $6,160-75.0% | $6,940-77.8% |