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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 | $61,571 | $77,908-21.0% | $149,696-58.9% | $75,173-18.1% |
| Participation rate | 61.5% | 65.6%-4.0pp | 78.8%-17.2pp | 67.2%-5.7pp |
| Annual return | 23.77% | 31.73%-8.0pp | 134.46%-110.7pp | 160.72%-137.0pp |
| Employer contribution / active EE | $1,162 | $3,138-63.0% | $4,821-75.9% | $2,671-56.5% |
| Participant deferral / active EE | $1,835 | $3,411-46.2% | $5,682-67.7% | $4,126-55.5% |
| Admin fee / account holder | $1,902 | $5,950-68.0% | $13,212-85.6% | $5,651-66.3% |