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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 | $64,335 | $135,956-52.7% | $123,894-48.1% | $273,972-76.5% |
| Participation rate | 41.7% | 84.1%-42.4pp | 81.4%-39.7pp | 83.0%-41.3pp |
| Annual return | 7.20% | 56.63%-49.4pp | 47.52%-40.3pp | 41.46%-34.3pp |
| Employer contribution / active EE | $1,797 | $5,170-65.2% | $4,617-61.1% | $4,869-63.1% |
| Participant deferral / active EE | $2,345 | $6,343-63.0% | $5,984-60.8% | $5,287-55.7% |
| Admin fee / account holder | $2,993 | $9,817-69.5% | $8,357-64.2% | $10,133-70.5% |