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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 | $36,801 | $95,580-61.5% | $76,872-52.1% | $139,466-73.6% |
| Participation rate | 64.3% | 74.0%-9.7pp | 69.6%-5.3pp | 80.3%-16.0pp |
| Annual return | 22.24% | 55.00%-32.8pp | 37.90%-15.7pp | 373.66%-351.4pp |
| Employer contribution / active EE | $361 | $3,145-88.5% | $2,533-85.7% | $4,754-92.4% |
| Participant deferral / active EE | $5,659 | $4,623+22.4% | $3,832+47.7% | $6,712-15.7% |
| Admin fee / account holder | $1,583 | $8,302-80.9% | $5,476-71.1% | $11,409-86.1% |