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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 | $20,113 | $57,541-65.0% | $95,740-79.0% | $75,173-73.2% |
| Participation rate | 65.2% | 62.5%+2.7pp | 72.3%-7.0pp | 67.2%-2.0pp |
| Annual return | 15.85% | 34.93%-19.1pp | 28.41%-12.6pp | 160.72%-144.9pp |
| Employer contribution / active EE | $1,011 | $1,808-44.1% | $2,836-64.4% | $2,671-62.2% |
| Participant deferral / active EE | $1,268 | $3,074-58.7% | $4,244-70.1% | $4,126-69.3% |
| Admin fee / account holder | $419 | $4,099-89.8% | $5,676-92.6% | $5,651-92.6% |