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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 | $51,134 | $79,867-36.0% | $120,344-57.5% | $64,340-20.5% |
| Participation rate | 51.8% | 63.0%-11.2pp | 76.7%-24.9pp | 55.2%-3.5pp |
| Annual return | 13.19% | 21.10%-7.9pp | 20.30%-7.1pp | 24.14%-11.0pp |
| Employer contribution / active EE | $1,367 | $1,925-29.0% | $3,020-54.7% | $1,862-26.6% |
| Participant deferral / active EE | $2,218 | $3,593-38.3% | $5,135-56.8% | $2,980-25.6% |
| Admin fee / account holder | $2,378 | $5,039-52.8% | $12,742-81.3% | $3,703-35.8% |