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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 | $36,148 | $60,442-40.2% | $96,754-62.6% | $87,485-58.7% |
| Participation rate | 54.3% | 58.7%-4.4pp | 70.3%-16.0pp | 68.9%-14.6pp |
| Annual return | 19.97% | 21.97%-2.0pp | 82.04%-62.1pp | 26.06%-6.1pp |
| Employer contribution / active EE | $1,397 | $1,691-17.4% | $2,679-47.9% | $2,596-46.2% |
| Participant deferral / active EE | $2,213 | $3,280-32.5% | $4,758-53.5% | $4,274-48.2% |
| Admin fee / account holder | $506 | $5,069-90.0% | $8,905-94.3% | $7,775-93.5% |