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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 | $46,221 | $68,586-32.6% | $120,380-61.6% | $80,911-42.9% |
| Participation rate | 47.4% | 61.6%-14.2pp | 71.9%-24.5pp | 67.6%-20.3pp |
| Annual return | 12.93% | 23.62%-10.7pp | 107.28%-94.3pp | 35.63%-22.7pp |
| Employer contribution / active EE | $1,794 | $2,053-12.6% | $3,465-48.2% | $2,756-34.9% |
| Participant deferral / active EE | $2,435 | $3,174-23.3% | $4,992-51.2% | $4,297-43.3% |
| Admin fee / account holder | $753 | $5,733-86.9% | $9,421-92.0% | $6,935-89.1% |