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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 | $37,954 | $56,484-32.8% | $169,452-77.6% | $64,173-40.9% |
| Participation rate | 59.8% | 64.5%-4.8pp | 77.8%-18.0pp | 69.6%-9.8pp |
| Annual return | -0.40% | -1.55%+1.2pp | 1.83%-2.2pp | 7.63%-8.0pp |
| Employer contribution / active EE | $1,588 | $1,832-13.3% | $4,157-61.8% | $2,381-33.3% |
| Participant deferral / active EE | $3,064 | $3,448-11.1% | $5,277-41.9% | $3,470-11.7% |
| Admin fee / account holder | $1,688 | $4,174-59.5% | $9,110-81.5% | $4,887-65.5% |