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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 | $63,916 | $85,766-25.5% | $136,297-53.1% | $70,124-8.9% |
| Participation rate | 52.5% | 74.2%-21.7pp | 81.9%-29.4pp | 69.5%-17.0pp |
| Annual return | 15.27% | 31.45%-16.2pp | 5156.19%-5140.9pp | 73.14%-57.9pp |
| Employer contribution / active EE | $1,970 | $2,966-33.6% | $4,696-58.0% | $2,342-15.9% |
| Participant deferral / active EE | $3,724 | $5,051-26.3% | $6,247-40.4% | $3,332+11.8% |
| Admin fee / account holder | $883 | $5,420-83.7% | $9,244-90.4% | $4,645-81.0% |