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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 | $22,908 | $157,296-85.4% | $141,191-83.8% | $152,897-85.0% |
| Participation rate | 62.5% | 84.8%-22.3pp | 82.5%-20.0pp | 82.5%-20.0pp |
| Annual return | 26.88% | 64.34%-37.5pp | 71.41%-44.5pp | 345.43%-318.6pp |
| Employer contribution / active EE | $1,395 | $5,262-73.5% | $4,736-70.5% | $4,764-70.7% |
| Participant deferral / active EE | $7,639 | $7,111+7.4% | $6,710+13.8% | $5,851+30.6% |
| Admin fee / account holder | $1,809 | $12,125-85.1% | $10,264-82.4% | $11,599-84.4% |