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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 | $44,928 | $57,073-21.3% | $85,126-47.2% | $80,925-44.5% |
| Participation rate | 40.0% | 56.4%-16.4pp | 67.5%-27.5pp | 67.7%-27.7pp |
| Annual return | 18.32% | 21.69%-3.4pp | 66.63%-48.3pp | 35.65%-17.3pp |
| Employer contribution / active EE | $891 | $1,801-50.5% | $2,731-67.4% | $2,756-67.7% |
| Participant deferral / active EE | $2,119 | $3,113-31.9% | $4,523-53.1% | $4,299-50.7% |
| Admin fee / account holder | $557 | $4,988-88.8% | $6,160-91.0% | $6,940-92.0% |