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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 | $55,093 | $81,504-32.4% | $102,437-46.2% | $80,959-31.9% |
| Participation rate | 62.9% | 66.9%-4.0pp | 74.5%-11.7pp | 67.7%-4.8pp |
| Annual return | 12.08% | 25.60%-13.5pp | 24.95%-12.9pp | 35.67%-23.6pp |
| Employer contribution / active EE | $2,646 | $3,104-14.7% | $3,871-31.6% | $2,757-4.0% |
| Participant deferral / active EE | $5,982 | $3,871+54.5% | $5,060+18.2% | $4,300+39.1% |
| Admin fee / account holder | $2,006 | $6,719-70.1% | $8,388-76.1% | $6,925-71.0% |