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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 | $64,154 | $67,894-5.5% | $89,340-28.2% | $82,448-22.2% |
| Participation rate | 42.1% | 64.0%-21.9pp | 69.6%-27.5pp | 68.1%-26.0pp |
| Annual return | 13.61% | 19.21%-5.6pp | 20.57%-7.0pp | 41.64%-28.0pp |
| Employer contribution / active EE | $739 | $1,828-59.6% | $2,231-66.9% | $2,551-71.0% |
| Participant deferral / active EE | $1,983 | $3,072-35.5% | $3,823-48.1% | $4,139-52.1% |
| Admin fee / account holder | $2,332 | $5,723-59.2% | $6,704-65.2% | $7,234-67.8% |