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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 | $20,314 | $53,128-61.8% | $86,582-76.5% | $70,126-71.0% |
| Participation rate | 64.8% | 65.3%-0.5pp | 73.5%-8.8pp | 69.5%-4.8pp |
| Annual return | 15.99% | 27.66%-11.7pp | 965.08%-949.1pp | 73.15%-57.2pp |
| Employer contribution / active EE | $1,602 | $2,068-22.5% | $2,839-43.6% | $2,343-31.6% |
| Participant deferral / active EE | $3,786 | $2,695+40.5% | $3,609+4.9% | $3,332+13.6% |
| Admin fee / account holder | $837 | $3,584-76.6% | $4,904-82.9% | $4,645-82.0% |