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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 | $60,090 | $73,787-18.6% | $98,716-39.1% | $82,448-27.1% |
| Participation rate | 63.3% | 61.4%+1.9pp | 69.3%-6.0pp | 68.1%-4.8pp |
| Annual return | 15.99% | 18.57%-2.6pp | 31.81%-15.8pp | 41.64%-25.6pp |
| Employer contribution / active EE | $1,336 | $1,511-11.6% | $2,279-41.4% | $2,551-47.6% |
| Participant deferral / active EE | $4,330 | $3,081+40.5% | $4,048+7.0% | $4,139+4.6% |
| Admin fee / account holder | $3,535 | $6,500-45.6% | $8,703-59.4% | $7,234-51.1% |