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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 | $27,503 | $38,460-28.5% | $97,032-71.7% | $65,191-57.8% |
| Participation rate | 29.5% | 23.6%+5.9pp | 71.6%-42.0pp | 63.0%-33.5pp |
| Annual return | 16.84% | 78.38%-61.5pp | 35.38%-18.5pp | 51.24%-34.4pp |
| Employer contribution / active EE | $759 | $532+42.8% | $2,629-71.1% | $2,400-68.4% |
| Participant deferral / active EE | $1,118 | $957+16.8% | $4,672-76.1% | $2,671-58.2% |
| Admin fee / account holder | $2,954 | $2,414+22.4% | $9,418-68.6% | $907+225.7% |