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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 | $27,334 | $64,719-57.8% | $112,249-75.6% | $68,486-60.1% |
| Participation rate | 43.8% | 67.2%-23.4pp | 75.1%-31.3pp | 67.9%-24.1pp |
| Annual return | -16.96% | -11.40%-5.6pp | 27.48%-44.4pp | -7.85%-9.1pp |
| Employer contribution / active EE | $958 | $2,747-65.1% | $3,636-73.7% | $2,597-63.1% |
| Participant deferral / active EE | $1,916 | $3,565-46.3% | $4,729-59.5% | $4,028-52.4% |
| Admin fee / account holder | $7,410 | $5,232+41.6% | $6,412+15.6% | $5,404+37.1% |