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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 | $57,745 | $106,749-45.9% | $145,433-60.3% | $82,448-30.0% |
| Participation rate | 55.0% | 75.6%-20.6pp | 82.1%-27.1pp | 68.1%-13.1pp |
| Annual return | 19.79% | 27.59%-7.8pp | 66.58%-46.8pp | 41.64%-21.8pp |
| Employer contribution / active EE | $1,394 | $3,444-59.5% | $4,554-69.4% | $2,551-45.4% |
| Participant deferral / active EE | $3,957 | $6,519-39.3% | $7,897-49.9% | $4,139-4.4% |
| Admin fee / account holder | $777 | $8,390-90.7% | $13,129-94.1% | $7,234-89.3% |