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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 | $46,053 | $81,457-43.5% | $103,378-55.5% | $80,911-43.1% |
| Participation rate | 59.1% | 66.8%-7.8pp | 74.5%-15.4pp | 67.6%-8.6pp |
| Annual return | 11.68% | 25.58%-13.9pp | 24.91%-13.2pp | 35.63%-23.9pp |
| Employer contribution / active EE | $8,207 | $3,107+164.1% | $3,870+112.1% | $2,756+197.8% |
| Participant deferral / active EE | $2,808 | $3,871-27.5% | $5,058-44.5% | $4,297-34.7% |
| Admin fee / account holder | $5,493 | $6,717-18.2% | $8,401-34.6% | $6,935-20.8% |