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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 | $33,967 | $111,814-69.6% | $103,378-67.1% | $145,978-76.7% |
| Participation rate | 58.3% | 77.9%-19.6pp | 74.5%-16.2pp | 80.3%-22.0pp |
| Annual return | 19.59% | 24.80%-5.2pp | 24.91%-5.3pp | 550.52%-530.9pp |
| Employer contribution / active EE | $1,604 | $4,215-62.0% | $3,870-58.6% | $4,662-65.6% |
| Participant deferral / active EE | $3,603 | $5,618-35.9% | $5,058-28.8% | $6,690-46.1% |
| Admin fee / account holder | $501 | $9,764-94.9% | $8,401-94.0% | $13,400-96.3% |