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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 | $56,548 | $110,410-48.8% | $102,437-44.8% | $145,897-61.2% |
| Participation rate | 28.6% | 77.9%-49.4pp | 74.5%-45.9pp | 80.3%-51.7pp |
| Annual return | 14.13% | 24.85%-10.7pp | 24.95%-10.8pp | 552.29%-538.2pp |
| Employer contribution / active EE | $1,054 | $4,217-75.0% | $3,871-72.8% | $4,663-77.4% |
| Participant deferral / active EE | $2,951 | $5,622-47.5% | $5,060-41.7% | $6,689-55.9% |
| Admin fee / account holder | $2,123 | $9,745-78.2% | $8,388-74.7% | $13,390-84.1% |