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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 | $17,272 | $100,279-82.8% | $81,353-78.8% | $145,884-88.2% |
| Participation rate | 36.4% | 74.3%-37.9pp | 69.5%-33.2pp | 80.3%-43.9pp |
| Annual return | 9.37% | 34.49%-25.1pp | 24.82%-15.4pp | 551.85%-542.5pp |
| Employer contribution / active EE | $451 | $2,979-84.9% | $2,464-81.7% | $4,662-90.3% |
| Participant deferral / active EE | $1,119 | $4,611-75.7% | $3,885-71.2% | $6,690-83.3% |
| Admin fee / account holder | $1,994 | $8,206-75.7% | $5,766-65.4% | $13,392-85.1% |