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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 | $46,438 | $89,370-48.0% | $141,197-67.1% | $72,976-36.4% |
| Participation rate | 69.2% | 75.1%-5.9pp | 82.5%-13.2pp | 69.5%-0.3pp |
| Annual return | 22.59% | 111.88%-89.3pp | 71.41%-48.8pp | 81.02%-58.4pp |
| Employer contribution / active EE | $1,272 | $3,115-59.2% | $4,736-73.1% | $2,440-47.9% |
| Participant deferral / active EE | $2,579 | $5,419-52.4% | $6,710-61.6% | $3,608-28.5% |
| Admin fee / account holder | $1,588 | $5,957-73.3% | $10,265-84.5% | $5,124-69.0% |