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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 | $52,448 | $86,949-39.7% | $102,460-48.8% | $80,959-35.2% |
| Participation rate | 36.2% | 72.4%-36.2pp | 76.5%-40.3pp | 67.7%-31.5pp |
| Annual return | 12.52% | 18.89%-6.4pp | 29.47%-17.0pp | 35.67%-23.2pp |
| Employer contribution / active EE | $1,619 | $2,370-31.7% | $3,025-46.5% | $2,757-41.3% |
| Participant deferral / active EE | $4,075 | $4,121-1.1% | $5,056-19.4% | $4,300-5.2% |
| Admin fee / account holder | $9,124 | $8,048+13.4% | $9,460-3.6% | $6,925+31.7% |