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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 | $65,257 | $81,233-19.7% | $155,567-58.1% | $80,874-19.3% |
| Participation rate | 57.4% | 66.2%-8.8pp | 78.2%-20.7pp | 67.6%-10.2pp |
| Annual return | 13.65% | 33.33%-19.7pp | 64.74%-51.1pp | 35.62%-22.0pp |
| Employer contribution / active EE | $1,696 | $3,101-45.3% | $4,674-63.7% | $2,756-38.5% |
| Participant deferral / active EE | $4,279 | $3,452+24.0% | $5,628-24.0% | $4,297-0.4% |
| Admin fee / account holder | $1,362 | $7,998-83.0% | $15,916-91.4% | $6,935-80.4% |