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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 | $47,080 | $78,670-40.2% | $109,173-56.9% | $85,847-45.2% |
| Participation rate | 53.8% | 68.3%-14.4pp | 75.9%-22.0pp | 69.3%-15.5pp |
| Annual return | 14.23% | 25.09%-10.9pp | 25.75%-11.5pp | 318.61%-304.4pp |
| Employer contribution / active EE | $1,476 | $2,734-46.0% | $3,723-60.4% | $2,565-42.5% |
| Participant deferral / active EE | $3,429 | $3,467-1.1% | $4,654-26.3% | $3,952-13.2% |
| Admin fee / account holder | $402 | $5,469-92.7% | $6,755-94.1% | $6,261-93.6% |