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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 | $42,575 | $86,949-51.0% | $102,460-58.4% | $80,959-47.4% |
| Participation rate | 53.1% | 72.4%-19.3pp | 76.5%-23.4pp | 67.7%-14.6pp |
| Annual return | 10.95% | 18.89%-7.9pp | 29.47%-18.5pp | 35.67%-24.7pp |
| Employer contribution / active EE | $1,179 | $2,370-50.2% | $3,025-61.0% | $2,757-57.2% |
| Participant deferral / active EE | $2,583 | $4,121-37.3% | $5,056-48.9% | $4,300-39.9% |
| Admin fee / account holder | $3,992 | $8,048-50.4% | $9,460-57.8% | $6,925-42.4% |