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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 | $72,607-11.6% | $90,259-28.9% | $87,485-26.7% |
| Participation rate | 42.1% | 64.8%-22.7pp | 70.7%-28.6pp | 68.9%-26.8pp |
| Annual return | 13.61% | 18.59%-5.0pp | 18.88%-5.3pp | 26.06%-12.5pp |
| Employer contribution / active EE | $739 | $1,919-61.5% | $2,291-67.8% | $2,596-71.5% |
| Participant deferral / active EE | $1,983 | $3,055-35.1% | $3,827-48.2% | $4,274-53.6% |
| Admin fee / account holder | $2,332 | $5,947-60.8% | $7,267-67.9% | $7,775-70.0% |