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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 | $35,413 | $77,816-54.5% | $123,549-71.3% | $64,181-44.8% |
| Participation rate | 42.1% | 74.7%-32.6pp | 82.3%-40.2pp | 69.6%-27.5pp |
| Annual return | -7.66% | 12.49%-20.1pp | 119.20%-126.9pp | 7.63%-15.3pp |
| Employer contribution / active EE | $1,375 | $3,014-54.4% | $4,628-70.3% | $2,381-42.3% |
| Participant deferral / active EE | $5,345 | $5,240+2.0% | $6,426-16.8% | $3,470+54.0% |
| Admin fee / account holder | $4,084 | $5,519-26.0% | $9,284-56.0% | $4,887-16.4% |