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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 | $57,666 | $77,920-26.0% | $149,723-61.5% | $75,177-23.3% |
| Participation rate | 42.1% | 65.6%-23.5pp | 78.8%-36.7pp | 67.2%-25.1pp |
| Annual return | 17.53% | 31.72%-14.2pp | 134.50%-117.0pp | 160.75%-143.2pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,970 | $3,411-12.9% | $5,682-47.7% | $4,126-28.0% |
| Admin fee / account holder | $5,747 | $5,951-3.4% | $13,215-56.5% | $5,651+1.7% |