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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 | $37,741 | $57,073-33.9% | $85,126-55.7% | $80,925-53.4% |
| Participation rate | 40.6% | 56.4%-15.8pp | 67.5%-26.9pp | 67.7%-27.0pp |
| Annual return | 12.40% | 21.69%-9.3pp | 66.63%-54.2pp | 35.65%-23.3pp |
| Employer contribution / active EE | $963 | $1,801-46.5% | $2,731-64.8% | $2,756-65.1% |
| Participant deferral / active EE | $2,693 | $3,113-13.5% | $4,523-40.5% | $4,299-37.3% |
| Admin fee / account holder | $789 | $4,988-84.2% | $6,160-87.2% | $6,940-88.6% |