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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 | $16,208 | $69,444-76.7% | $92,985-82.6% | $87,485-81.5% |
| Participation rate | 22.9% | 63.3%-40.4pp | 69.5%-46.6pp | 68.9%-46.0pp |
| Annual return | 22.43% | 23.85%-1.4pp | 27.99%-5.6pp | 26.06%-3.6pp |
| Employer contribution / active EE | $982 | $1,917-48.8% | $2,662-63.1% | $2,596-62.2% |
| Participant deferral / active EE | $1,882 | $3,364-44.1% | $4,377-57.0% | $4,274-56.0% |
| Admin fee / account holder | $3,722 | $6,137-39.4% | $9,463-60.7% | $7,775-52.1% |