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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 | $37,921 | $84,236-55.0% | $170,435-77.8% | $70,126-45.9% |
| Participation rate | 43.5% | 70.8%-27.4pp | 83.6%-40.1pp | 69.5%-26.1pp |
| Annual return | 17.88% | 23.06%-5.2pp | 205.94%-188.1pp | 73.15%-55.3pp |
| Employer contribution / active EE | $1,450 | $3,387-57.2% | $5,432-73.3% | $2,343-38.1% |
| Participant deferral / active EE | $2,064 | $3,086-33.1% | $4,939-58.2% | $3,332-38.1% |
| Admin fee / account holder | $1,932 | $5,698-66.1% | $13,881-86.1% | $4,645-58.4% |