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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 | $95,582 | $64,729+47.7% | $112,263-14.9% | $68,490+39.6% |
| Participation rate | 51.3% | 67.2%-15.9pp | 75.1%-23.8pp | 67.9%-16.6pp |
| Annual return | -17.83% | -11.40%-6.4pp | 27.49%-45.3pp | -7.85%-10.0pp |
| Employer contribution / active EE | $1,670 | $2,746-39.2% | $3,636-54.1% | $2,597-35.7% |
| Participant deferral / active EE | $4,843 | $3,566+35.8% | $4,729+2.4% | $4,028+20.2% |
| Admin fee / account holder | $4,345 | $5,222-16.8% | $6,410-32.2% | $5,403-19.6% |