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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 | $53,536 | $72,027-25.7% | $185,835-71.2% | $79,852-33.0% |
| Participation rate | 63.2% | 65.8%-2.6pp | 78.0%-14.9pp | 69.6%-6.5pp |
| Annual return | 14.42% | 23.13%-8.7pp | 35.96%-21.5pp | 31.72%-17.3pp |
| Employer contribution / active EE | $1,847 | $1,965-6.0% | $4,087-54.8% | $2,471-25.3% |
| Participant deferral / active EE | $6,878 | $3,780+82.0% | $5,633+22.1% | $3,740+83.9% |
| Admin fee / account holder | $3,785 | $4,513-16.1% | $9,502-60.2% | $5,306-28.7% |