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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 | $81,356 | $46,877+73.6% | $122,354-33.5% | $70,126+16.0% |
| Participation rate | 52.1% | 58.2%-6.1pp | 71.6%-19.6pp | 69.5%-17.5pp |
| Annual return | 14.87% | 24.22%-9.3pp | 30.28%-15.4pp | 73.15%-58.3pp |
| Employer contribution / active EE | $1,724 | $1,288+33.8% | $4,051-57.4% | $2,343-26.4% |
| Participant deferral / active EE | $2,013 | $2,167-7.1% | $3,287-38.8% | $3,332-39.6% |
| Admin fee / account holder | $4,949 | $3,324+48.9% | $5,479-9.7% | $4,645+6.5% |