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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 | $78,027 | $93,345-16.4% | $119,126-34.5% | $87,485-10.8% |
| Participation rate | 49.2% | 68.7%-19.5pp | 75.8%-26.5pp | 68.9%-19.7pp |
| Annual return | 18.56% | 19.08%-0.5pp | 282.11%-263.6pp | 26.06%-7.5pp |
| Employer contribution / active EE | $1,923 | $3,172-39.4% | $4,034-52.3% | $2,596-25.9% |
| Participant deferral / active EE | $3,247 | $4,099-20.8% | $5,318-38.9% | $4,274-24.0% |
| Admin fee / account holder | $1,534 | $8,039-80.9% | $10,693-85.7% | $7,775-80.3% |