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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 | $64,423 | $97,648-34.0% | $121,663-47.0% | $87,485-26.4% |
| Participation rate | 61.9% | 70.5%-8.6pp | 74.5%-12.6pp | 68.9%-7.0pp |
| Annual return | 13.39% | 18.03%-4.6pp | 147.54%-134.1pp | 26.06%-12.7pp |
| Employer contribution / active EE | $1,661 | $2,300-27.8% | $3,020-45.0% | $2,596-36.0% |
| Participant deferral / active EE | $2,483 | $3,923-36.7% | $4,887-49.2% | $4,274-41.9% |
| Admin fee / account holder | $6,021 | $11,100-45.8% | $14,289-57.9% | $7,775-22.6% |