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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 | $34,486 | $46,697-26.1% | $117,529-70.7% | $68,490-49.6% |
| Participation rate | 36.1% | 56.8%-20.7pp | 70.6%-34.5pp | 67.9%-31.8pp |
| Annual return | -19.12% | -14.52%-4.6pp | 29.77%-48.9pp | -7.85%-11.3pp |
| Employer contribution / active EE | $1,265 | $1,506-16.0% | $4,179-69.7% | $2,597-51.3% |
| Participant deferral / active EE | $2,318 | $2,637-12.1% | $4,072-43.1% | $4,028-42.5% |
| Admin fee / account holder | $2,419 | $4,023-39.9% | $5,645-57.2% | $5,403-55.2% |