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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 | $85,460 | $60,349+41.6% | $74,184+15.2% | $62,881+35.9% |
| Participation rate | 23.3% | 72.7%-49.4pp | 76.6%-53.3pp | 69.3%-46.0pp |
| Annual return | 10.82% | 21.38%-10.6pp | 17.74%-6.9pp | 20.14%-9.3pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,460 | $2,856-13.9% | $3,550-30.7% | $3,203-23.2% |
| Admin fee / account holder | $3,594 | $4,261-15.6% | $5,586-35.7% | $4,296-16.3% |