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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 | $44,230 | $88,996-50.3% | $78,004-43.3% | $138,895-68.2% |
| Participation rate | 46.2% | 74.4%-28.2pp | 69.4%-23.3pp | 79.9%-33.8pp |
| Annual return | 14.73% | 28.03%-13.3pp | 31.07%-16.3pp | 145.39%-130.7pp |
| Employer contribution / active EE | $2,579 | $2,917-11.6% | $2,469+4.5% | $4,194-38.5% |
| Participant deferral / active EE | $4,207 | $4,724-10.9% | $4,092+2.8% | $6,396-34.2% |
| Admin fee / account holder | $7,709 | $8,807-12.5% | $7,578+1.7% | $12,562-38.6% |