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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 | $89,789 | $106,749-15.9% | $145,433-38.3% | $82,448+8.9% |
| Participation rate | 36.7% | 75.6%-39.0pp | 82.1%-45.5pp | 68.1%-31.4pp |
| Annual return | 18.86% | 27.59%-8.7pp | 66.58%-47.7pp | 41.64%-22.8pp |
| Employer contribution / active EE | $1,716 | $3,444-50.2% | $4,554-62.3% | $2,551-32.7% |
| Participant deferral / active EE | $4,557 | $6,519-30.1% | $7,897-42.3% | $4,139+10.1% |
| Admin fee / account holder | $842 | $8,390-90.0% | $13,129-93.6% | $7,234-88.4% |