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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 | $39,766 | $124,330-68.0% | $109,173-63.6% | $167,536-76.3% |
| Participation rate | 54.5% | 79.5%-24.9pp | 75.9%-21.3pp | 82.1%-27.6pp |
| Annual return | 13.22% | 26.04%-12.8pp | 25.75%-12.5pp | 478.82%-465.6pp |
| Employer contribution / active EE | $1,953 | $4,209-53.6% | $3,723-47.5% | $4,839-59.6% |
| Participant deferral / active EE | $2,433 | $5,256-53.7% | $4,654-47.7% | $6,342-61.6% |
| Admin fee / account holder | $5,057 | $7,974-36.6% | $6,755-25.1% | $12,315-58.9% |