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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 | $68,532 | $80,983-15.4% | $96,544-29.0% | $75,177-8.8% |
| Participation rate | 64.1% | 71.8%-7.7pp | 76.0%-11.9pp | 67.2%-3.1pp |
| Annual return | 29.64% | 27.05%+2.6pp | 25.88%+3.8pp | 160.75%-131.1pp |
| Employer contribution / active EE | $3,135 | $2,282+37.3% | $2,966+5.7% | $2,671+17.4% |
| Participant deferral / active EE | $4,896 | $3,929+24.6% | $4,851+0.9% | $4,126+18.7% |
| Admin fee / account holder | $3,841 | $6,717-42.8% | $8,254-53.5% | $5,651-32.0% |