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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 | $56,329 | $102,245-44.9% | $89,340-37.0% | $137,256-59.0% |
| Participation rate | 66.7% | 74.9%-8.2pp | 69.6%-2.9pp | 80.0%-13.3pp |
| Annual return | 13.87% | 21.89%-8.0pp | 20.57%-6.7pp | 220.34%-206.5pp |
| Employer contribution / active EE | $0 | $2,529-100.0% | $2,231-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $1,482 | $4,436-66.6% | $3,823-61.2% | $6,407-76.9% |
| Admin fee / account holder | $473 | $8,085-94.2% | $6,704-92.9% | $12,270-96.1% |