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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 | $56,380 | $89,259-36.8% | $107,187-47.4% | $82,637-31.8% |
| Participation rate | 48.3% | 67.9%-19.7pp | 75.0%-26.7pp | 68.1%-19.8pp |
| Annual return | 16.64% | 21.02%-4.4pp | 204.55%-187.9pp | 53.51%-36.9pp |
| Employer contribution / active EE | $2,175 | $3,080-29.4% | $3,782-42.5% | $2,552-14.8% |
| Participant deferral / active EE | $4,140 | $4,037+2.5% | $5,096-18.8% | $4,126+0.3% |
| Admin fee / account holder | $8,926 | $7,381+20.9% | $9,162-2.6% | $7,339+21.6% |