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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 | $22,332 | $106,267-79.0% | $96,520-76.9% | $139,456-84.0% |
| Participation rate | 44.4% | 77.8%-33.4pp | 74.3%-29.9pp | 80.3%-35.9pp |
| Annual return | 41.68% | 38.45%+3.2pp | 35.72%+6.0pp | 373.45%-331.8pp |
| Employer contribution / active EE | $1,571 | $4,105-61.7% | $3,739-58.0% | $4,753-66.9% |
| Participant deferral / active EE | $4,413 | $5,454-19.1% | $4,879-9.6% | $6,711-34.3% |
| Admin fee / account holder | $2,520 | $7,882-68.0% | $6,733-62.6% | $11,407-77.9% |