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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 | $107,809-61.3% | $97,032-57.0% | $155,188-73.1% |
| Participation rate | 50.0% | 75.5%-25.5pp | 71.6%-21.6pp | 80.8%-30.8pp |
| Annual return | 16.16% | 38.06%-21.9pp | 35.38%-19.2pp | 148.84%-132.7pp |
| Employer contribution / active EE | $1,143 | $2,911-60.7% | $2,629-56.5% | $4,248-73.1% |
| Participant deferral / active EE | $3,953 | $5,129-22.9% | $4,672-15.4% | $6,531-39.5% |
| Admin fee / account holder | $5,493 | $10,717-48.7% | $9,418-41.7% | $14,480-62.1% |