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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 | $61,980 | $91,559-32.3% | $133,978-53.7% | $79,856-22.4% |
| Participation rate | 59.0% | 73.3%-14.3pp | 79.8%-20.8pp | 69.6%-10.6pp |
| Annual return | 38.78% | 61.85%-23.1pp | 45.10%-6.3pp | 31.71%+7.1pp |
| Employer contribution / active EE | $1,006 | $2,384-57.8% | $3,919-74.3% | $2,471-59.3% |
| Participant deferral / active EE | $2,604 | $3,734-30.3% | $5,047-48.4% | $3,741-30.4% |
| Admin fee / account holder | $1,026 | $6,321-83.8% | $8,930-88.5% | $5,306-80.7% |