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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 | $74,528 | $117,426-36.5% | $99,470-25.1% | $152,885-51.3% |
| Participation rate | 57.1% | 77.5%-20.4pp | 73.8%-16.7pp | 82.5%-25.3pp |
| Annual return | 15.82% | 31.87%-16.0pp | 30.72%-14.9pp | 345.39%-329.6pp |
| Employer contribution / active EE | $967 | $3,014-67.9% | $2,540-61.9% | $4,763-79.7% |
| Participant deferral / active EE | $2,883 | $4,086-29.4% | $3,619-20.3% | $5,851-50.7% |
| Admin fee / account holder | $1,708 | $7,634-77.6% | $6,252-72.7% | $11,598-85.3% |