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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 | $43,591 | $35,183+23.9% | $73,550-40.7% | $70,126-37.8% |
| Participation rate | 32.4% | 42.9%-10.5pp | 54.9%-22.5pp | 69.5%-37.1pp |
| Annual return | 14.89% | 26.90%-12.0pp | -15.16%+30.1pp | 73.15%-58.3pp |
| Employer contribution / active EE | $577 | $709-18.6% | $1,219-52.7% | $2,343-75.4% |
| Participant deferral / active EE | $1,359 | $1,220+11.4% | $1,804-24.7% | $3,332-59.2% |
| Admin fee / account holder | $1,938 | $2,302-15.8% | $2,320-16.5% | $4,645-58.3% |