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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 | $73,437 | $73,787-0.5% | $98,716-25.6% | $82,448-10.9% |
| Participation rate | 66.7% | 61.4%+5.3pp | 69.3%-2.6pp | 68.1%-1.4pp |
| Annual return | 18.61% | 18.57%0pp | 31.81%-13.2pp | 41.64%-23.0pp |
| Employer contribution / active EE | $1,730 | $1,511+14.4% | $2,279-24.1% | $2,551-32.2% |
| Participant deferral / active EE | $2,639 | $3,081-14.4% | $4,048-34.8% | $4,139-36.2% |
| Admin fee / account holder | $2,086 | $6,500-67.9% | $8,703-76.0% | $7,234-71.2% |