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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 | $68,994 | $67,411+2.3% | $91,004-24.2% | $70,126-1.6% |
| Participation rate | 42.9% | 71.4%-28.5pp | 75.6%-32.7pp | 69.5%-26.7pp |
| Annual return | 13.52% | -40.16%+53.7pp | 4.60%+8.9pp | 73.15%-59.6pp |
| Employer contribution / active EE | $1,200 | $1,786-32.8% | $2,456-51.1% | $2,343-48.8% |
| Participant deferral / active EE | $1,985 | $2,823-29.7% | $3,548-44.0% | $3,332-40.4% |
| Admin fee / account holder | $2,730 | $4,236-35.6% | $5,417-49.6% | $4,645-41.2% |