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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 | $115,609 | $97,550+18.5% | $120,344-3.9% | $87,485+32.1% |
| Participation rate | 45.2% | 72.8%-27.7pp | 76.7%-31.5pp | 68.9%-23.8pp |
| Annual return | 21.91% | 18.41%+3.5pp | 20.30%+1.6pp | 26.06%-4.1pp |
| Employer contribution / active EE | $1,858 | $2,291-18.9% | $3,020-38.5% | $2,596-28.4% |
| Participant deferral / active EE | $2,536 | $4,230-40.0% | $5,135-50.6% | $4,274-40.7% |
| Admin fee / account holder | $4,079 | $9,543-57.3% | $12,742-68.0% | $7,775-47.5% |