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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 | $55,956 | $108,825-48.6% | $156,181-64.2% | $82,448-32.1% |
| Participation rate | 65.1% | 72.4%-7.3pp | 78.8%-13.7pp | 68.1%-3.0pp |
| Annual return | 18.61% | 20.59%-2.0pp | 64.87%-46.3pp | 41.64%-23.0pp |
| Employer contribution / active EE | $2,080 | $2,870-27.5% | $4,294-51.6% | $2,551-18.5% |
| Participant deferral / active EE | $3,070 | $4,577-32.9% | $6,132-49.9% | $4,139-25.8% |
| Admin fee / account holder | $805 | $9,341-91.4% | $14,586-94.5% | $7,234-88.9% |