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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 | $36,964 | $77,638-52.4% | $156,551-76.4% | $62,881-41.2% |
| Participation rate | 67.9% | 71.2%-3.3pp | 84.0%-16.2pp | 69.3%-1.4pp |
| Annual return | 5.83% | 50.33%-44.5pp | 32.23%-26.4pp | 20.14%-14.3pp |
| Employer contribution / active EE | $1,081 | $3,444-68.6% | $5,501-80.3% | $2,281-52.6% |
| Participant deferral / active EE | $2,221 | $3,046-27.1% | $4,871-54.4% | $3,203-30.6% |
| Admin fee / account holder | $735 | $5,561-86.8% | $13,028-94.4% | $4,296-82.9% |