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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 | $36,506 | $95,453-61.8% | $112,040-67.4% | $82,448-55.7% |
| Participation rate | 62.2% | 72.8%-10.6pp | 76.5%-14.3pp | 68.1%-5.9pp |
| Annual return | 20.45% | 23.92%-3.5pp | 24.52%-4.1pp | 41.64%-21.2pp |
| Employer contribution / active EE | $2,180 | $2,318-5.9% | $2,954-26.2% | $2,551-14.5% |
| Participant deferral / active EE | $3,150 | $4,224-25.4% | $5,098-38.2% | $4,139-23.9% |
| Admin fee / account holder | $757 | $9,013-91.6% | $12,098-93.7% | $7,234-89.5% |