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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 | $30,245 | $57,590-47.5% | $86,233-64.9% | $82,448-63.3% |
| Participation rate | 20.0% | 57.9%-37.9pp | 69.0%-49.0pp | 68.1%-48.1pp |
| Annual return | 25.13% | 22.41%+2.7pp | 61.39%-36.3pp | 41.64%-16.5pp |
| Employer contribution / active EE | $400 | $1,655-75.9% | $2,504-84.0% | $2,551-84.3% |
| Participant deferral / active EE | $1,401 | $3,080-54.5% | $4,559-69.3% | $4,139-66.1% |
| Admin fee / account holder | $949 | $4,730-79.9% | $8,342-88.6% | $7,234-86.9% |