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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 | $32,647 | $68,880-52.6% | $120,580-72.9% | $80,959-59.7% |
| Participation rate | 62.2% | 61.7%+0.5pp | 72.0%-9.8pp | 67.7%-5.5pp |
| Annual return | 17.41% | 23.68%-6.3pp | 107.48%-90.1pp | 35.67%-18.3pp |
| Employer contribution / active EE | $938 | $2,066-54.6% | $3,469-73.0% | $2,757-66.0% |
| Participant deferral / active EE | $2,636 | $3,191-17.4% | $4,995-47.2% | $4,300-38.7% |
| Admin fee / account holder | $4,036 | $5,785-30.2% | $9,418-57.2% | $6,925-41.7% |