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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 | $46,883 | $153,769-69.5% | $133,975-65.0% | $273,972-82.9% |
| Participation rate | 57.1% | 88.4%-31.2pp | 87.1%-29.9pp | 83.0%-25.9pp |
| Annual return | 5.21% | 36.51%-31.3pp | 29.29%-24.1pp | 41.46%-36.2pp |
| Employer contribution / active EE | $10,886 | $6,029+80.6% | $5,211+108.9% | $4,869+123.6% |
| Participant deferral / active EE | $7,233 | $6,958+4.0% | $6,282+15.1% | $5,287+36.8% |
| Admin fee / account holder | $2,029 | $11,765-82.8% | $9,324-78.2% | $10,133-80.0% |