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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 | $60,117 | $73,978-18.7% | $96,515-37.7% | $75,173-20.0% |
| Participation rate | 56.6% | 66.4%-9.8pp | 74.3%-17.7pp | 67.2%-10.6pp |
| Annual return | 15.09% | 26.72%-11.6pp | 35.73%-20.6pp | 160.72%-145.6pp |
| Employer contribution / active EE | $1,958 | $2,931-33.2% | $3,740-47.6% | $2,671-26.7% |
| Participant deferral / active EE | $3,254 | $3,660-11.1% | $4,880-33.3% | $4,126-21.1% |
| Admin fee / account holder | $4,983 | $5,219-4.5% | $6,735-26.0% | $5,651-11.8% |