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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 | $21,973 | $75,541-70.9% | $152,093-85.6% | $82,637-73.4% |
| Participation rate | 48.5% | 66.5%-18.1pp | 77.8%-29.3pp | 68.1%-19.6pp |
| Annual return | 17.75% | 32.56%-14.8pp | 66.36%-48.6pp | 53.51%-35.8pp |
| Employer contribution / active EE | $1,212 | $2,622-53.8% | $4,175-71.0% | $2,552-52.5% |
| Participant deferral / active EE | $1,783 | $3,206-44.4% | $5,451-67.3% | $4,126-56.8% |
| Admin fee / account holder | $1,093 | $6,405-82.9% | $14,497-92.5% | $7,339-85.1% |