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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 | $42,848 | $53,128-19.3% | $86,582-50.5% | $70,126-38.9% |
| Participation rate | 48.1% | 65.3%-17.2pp | 73.5%-25.4pp | 69.5%-21.4pp |
| Annual return | 18.90% | 27.66%-8.8pp | 965.08%-946.2pp | 73.15%-54.2pp |
| Employer contribution / active EE | $0 | $2,068-100.0% | $2,839-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,124 | $2,695-21.2% | $3,609-41.1% | $3,332-36.2% |
| Admin fee / account holder | $3,923 | $3,584+9.5% | $4,904-20.0% | $4,645-15.6% |