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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 | $90,052 | $79,894+12.7% | $135,792-33.7% | $82,637+9.0% |
| Participation rate | 38.0% | 63.0%-25.0pp | 72.6%-34.6pp | 68.1%-30.1pp |
| Annual return | 15.63% | 17.20%-1.6pp | 25.96%-10.3pp | 53.51%-37.9pp |
| Employer contribution / active EE | $1,147 | $2,165-47.0% | $3,496-67.2% | $2,552-55.1% |
| Participant deferral / active EE | $1,648 | $3,194-48.4% | $4,759-65.4% | $4,126-60.1% |
| Admin fee / account holder | $5,177 | $6,434-19.5% | $12,266-57.8% | $7,339-29.5% |