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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 | $31,234 | $56,894-45.1% | $84,753-63.1% | $62,881-50.3% |
| Participation rate | 16.0% | 68.5%-52.5pp | 76.6%-60.6pp | 69.3%-53.3pp |
| Annual return | 15.00% | 6.30%+8.7pp | 22.78%-7.8pp | 20.14%-5.1pp |
| Employer contribution / active EE | $653 | $2,400-72.8% | $3,574-81.7% | $2,281-71.3% |
| Participant deferral / active EE | $3,184 | $2,709+17.5% | $3,712-14.2% | $3,203-0.6% |
| Admin fee / account holder | $9,135 | $3,581+155.1% | $5,333+71.3% | $4,296+112.6% |