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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 | $50,161 | $77,814-35.5% | $158,223-68.3% | $86,983-42.3% |
| Participation rate | 28.9% | 68.4%-39.5pp | 79.2%-50.3pp | 69.5%-40.7pp |
| Annual return | 14.43% | 30.54%-16.1pp | 52.09%-37.7pp | 25.83%-11.4pp |
| Employer contribution / active EE | $482 | $2,592-81.4% | $4,109-88.3% | $2,584-81.4% |
| Participant deferral / active EE | $1,669 | $3,270-49.0% | $5,467-69.5% | $4,194-60.2% |
| Admin fee / account holder | $1,165 | $5,879-80.2% | $16,047-92.7% | $7,856-85.2% |