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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 | $45,558 | $63,456-28.2% | $100,712-54.8% | $64,097-28.9% |
| Participation rate | 44.6% | 49.7%-5.0pp | 69.3%-24.7pp | 55.2%-10.6pp |
| Annual return | 22.86% | 19.65%+3.2pp | 33.27%-10.4pp | 34.64%-11.8pp |
| Employer contribution / active EE | $1,424 | $1,003+42.0% | $2,313-38.4% | $1,891-24.7% |
| Participant deferral / active EE | $2,472 | $2,463+0.3% | $4,085-39.5% | $3,080-19.7% |
| Admin fee / account holder | $5,550 | $4,808+15.4% | $9,256-40.0% | $3,454+60.7% |