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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 | $36,831 | $107,733-65.8% | $92,985-60.4% | $154,746-76.2% |
| Participation rate | 47.8% | 74.6%-26.7pp | 69.5%-21.7pp | 80.7%-32.9pp |
| Annual return | 12.76% | 30.39%-17.6pp | 27.99%-15.2pp | 172.34%-159.6pp |
| Employer contribution / active EE | $1,159 | $3,126-62.9% | $2,662-56.5% | $4,379-73.5% |
| Participant deferral / active EE | $2,151 | $5,053-57.4% | $4,377-50.9% | $6,730-68.0% |
| Admin fee / account holder | $2,014 | $11,369-82.3% | $9,463-78.7% | $14,365-86.0% |