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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 | $70,115 | $72,269-3.0% | $101,271-30.8% | $79,852-12.2% |
| Participation rate | 69.4% | 68.5%+1.0pp | 75.8%-6.4pp | 69.6%-0.2pp |
| Annual return | 13.82% | 22.29%-8.5pp | 46.48%-32.7pp | 31.72%-17.9pp |
| Employer contribution / active EE | $1,850 | $2,692-31.3% | $3,660-49.5% | $2,471-25.1% |
| Participant deferral / active EE | $3,912 | $3,282+19.2% | $4,371-10.5% | $3,740+4.6% |
| Admin fee / account holder | $950 | $4,401-78.4% | $5,948-84.0% | $5,306-82.1% |