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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 | $41,724 | $97,125-57.0% | $86,233-51.6% | $137,256-69.6% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.0%-19.0pp | 80.0%-30.0pp |
| Annual return | 16.16% | 74.19%-58.0pp | 61.39%-45.2pp | 220.34%-204.2pp |
| Employer contribution / active EE | $1,143 | $2,841-59.8% | $2,504-54.4% | $4,156-72.5% |
| Participant deferral / active EE | $3,953 | $5,180-23.7% | $4,559-13.3% | $6,407-38.3% |
| Admin fee / account holder | $5,493 | $9,725-43.5% | $8,342-34.2% | $12,270-55.2% |