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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 | $22,350 | $84,236-73.5% | $170,435-86.9% | $70,126-68.1% |
| Participation rate | 69.0% | 70.8%-1.9pp | 83.6%-14.6pp | 69.5%-0.6pp |
| Annual return | 16.53% | 23.06%-6.5pp | 205.94%-189.4pp | 73.15%-56.6pp |
| Employer contribution / active EE | $684 | $3,387-79.8% | $5,432-87.4% | $2,343-70.8% |
| Participant deferral / active EE | $1,644 | $3,086-46.7% | $4,939-66.7% | $3,332-50.7% |
| Admin fee / account holder | $2,665 | $5,698-53.2% | $13,881-80.8% | $4,645-42.6% |