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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 | $34,937 | $99,053-64.7% | $88,179-60.4% | $138,895-74.8% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.1%-19.1pp | 79.9%-29.9pp |
| Annual return | 15.90% | 78.17%-62.3pp | 64.97%-49.1pp | 145.39%-129.5pp |
| Employer contribution / active EE | $4,253 | $2,882+47.6% | $2,549+66.8% | $4,194+1.4% |
| Participant deferral / active EE | $8,067 | $5,225+54.4% | $4,614+74.9% | $6,396+26.1% |
| Admin fee / account holder | $1,420 | $8,748-83.8% | $7,673-81.5% | $12,562-88.7% |