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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 | $108,066 | $108,825-0.7% | $156,181-30.8% | $82,448+31.1% |
| Participation rate | 63.3% | 72.4%-9.0pp | 78.8%-15.5pp | 68.1%-4.7pp |
| Annual return | 23.21% | 20.59%+2.6pp | 64.87%-41.7pp | 41.64%-18.4pp |
| Employer contribution / active EE | $2,406 | $2,870-16.2% | $4,294-44.0% | $2,551-5.7% |
| Participant deferral / active EE | $2,649 | $4,577-42.1% | $6,132-56.8% | $4,139-36.0% |
| Admin fee / account holder | $4,657 | $9,341-50.1% | $14,586-68.1% | $7,234-35.6% |