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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 | $47,274 | $86,050-45.1% | $189,758-75.1% | $94,015-49.7% |
| Participation rate | 55.6% | 68.9%-13.3pp | 79.8%-24.2pp | 70.8%-15.3pp |
| Annual return | 34.64% | 17.77%+16.9pp | 52.62%-18.0pp | 17.84%+16.8pp |
| Employer contribution / active EE | $1,683 | $2,819-40.3% | $4,767-64.7% | $2,790-39.7% |
| Participant deferral / active EE | $4,342 | $3,349+29.7% | $5,856-25.8% | $4,249+2.2% |
| Admin fee / account holder | $7,345 | $6,627+10.8% | $20,388-64.0% | $8,951-17.9% |