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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 | $103,265 | $184,014-43.9% | $161,149-35.9% | $138,895-25.7% |
| Participation rate | 57.9% | 82.1%-24.2pp | 78.8%-20.9pp | 79.9%-22.0pp |
| Annual return | 14.66% | 21.52%-6.9pp | 21.16%-6.5pp | 145.39%-130.7pp |
| Employer contribution / active EE | $1,366 | $5,055-73.0% | $4,360-68.7% | $4,194-67.4% |
| Participant deferral / active EE | $5,312 | $6,909-23.1% | $6,153-13.7% | $6,396-17.0% |
| Admin fee / account holder | $25,163 | $18,027+39.6% | $15,194+65.6% | $12,562+100.3% |