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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 | $98,631 | $83,485+18.1% | $125,180-21.2% | $72,983+35.1% |
| Participation rate | 29.4% | 73.3%-43.9pp | 79.8%-50.4pp | 69.5%-40.1pp |
| Annual return | 21.24% | 25.78%-4.5pp | 43.79%-22.5pp | 81.01%-59.8pp |
| Employer contribution / active EE | $675 | $2,346-71.2% | $3,866-82.5% | $2,440-72.3% |
| Participant deferral / active EE | $2,385 | $3,586-33.5% | $4,937-51.7% | $3,608-33.9% |
| Admin fee / account holder | $4,327 | $5,518-21.6% | $9,703-55.4% | $5,124-15.6% |