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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 | $32,742 | $78,013-58.0% | $178,449-81.7% | $80,911-59.5% |
| Participation rate | 39.4% | 65.7%-26.3pp | 77.1%-37.7pp | 67.6%-28.3pp |
| Annual return | 17.67% | 18.07%-0.4pp | 27.09%-9.4pp | 35.63%-18.0pp |
| Employer contribution / active EE | $653 | $2,287-71.5% | $3,951-83.5% | $2,756-76.3% |
| Participant deferral / active EE | $1,686 | $4,408-61.8% | $6,277-73.1% | $4,297-60.8% |
| Admin fee / account holder | $1,319 | $7,166-81.6% | $10,362-87.3% | $6,935-81.0% |