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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 | $42,357 | $45,872-7.7% | $77,096-45.1% | $68,486-38.2% |
| Participation rate | 48.1% | 55.9%-7.8pp | 67.9%-19.8pp | 67.9%-19.7pp |
| Annual return | -17.14% | 1.73%-18.9pp | 42.35%-59.5pp | -7.85%-9.3pp |
| Employer contribution / active EE | $1,699 | $1,650+3.0% | $2,814-39.6% | $2,597-34.6% |
| Participant deferral / active EE | $4,567 | $2,963+54.2% | $4,429+3.1% | $4,028+13.4% |
| Admin fee / account holder | $3,566 | $3,041+17.3% | $5,428-34.3% | $5,404-34.0% |