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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 | $57,566 | $335,055-82.8% | $150,298-61.7% | - |
| Participation rate | 33.3% | 50.7%-17.4pp | 77.8%-44.4pp | - |
| Annual return | 19.40% | 11.52%+7.9pp | 62.79%-43.4pp | - |
| Employer contribution / active EE | $1,152 | $931+23.8% | $4,154-72.3% | - |
| Participant deferral / active EE | $2,298 | $1,801+27.6% | $5,453-57.9% | - |
| Admin fee / account holder | $1,015 | $66,580-98.5% | $14,116-92.8% | - |