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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 | $28,225 | $56,544-50.1% | $75,501-62.6% | $70,126-59.8% |
| Participation rate | 20.4% | 68.1%-47.7pp | 72.4%-51.9pp | 69.5%-49.1pp |
| Annual return | 19.84% | 23.59%-3.7pp | 27.35%-7.5pp | 73.15%-53.3pp |
| Employer contribution / active EE | $578 | $1,817-68.2% | $2,352-75.4% | $2,343-75.3% |
| Participant deferral / active EE | $1,433 | $2,580-44.4% | $3,142-54.4% | $3,332-57.0% |
| Admin fee / account holder | $1,572 | $3,827-58.9% | $5,801-72.9% | $4,645-66.2% |