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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 | $65,455 | $78,690-16.8% | $161,489-59.5% | $87,485-25.2% |
| Participation rate | 65.7% | 67.5%-1.8pp | 78.7%-13.0pp | 68.9%-3.2pp |
| Annual return | 18.05% | 32.74%-14.7pp | 89.72%-71.7pp | 26.06%-8.0pp |
| Employer contribution / active EE | $2,043 | $2,588-21.1% | $4,268-52.1% | $2,596-21.3% |
| Participant deferral / active EE | $4,016 | $3,311+21.3% | $5,630-28.7% | $4,274-6.0% |
| Admin fee / account holder | $444 | $6,724-93.4% | $16,006-97.2% | $7,775-94.3% |