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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 | $28,654 | $89,370-67.9% | $141,197-79.7% | $72,976-60.7% |
| Participation rate | 45.2% | 75.1%-29.9pp | 82.5%-37.2pp | 69.5%-24.3pp |
| Annual return | 21.29% | 111.88%-90.6pp | 71.41%-50.1pp | 81.02%-59.7pp |
| Employer contribution / active EE | $649 | $3,115-79.2% | $4,736-86.3% | $2,440-73.4% |
| Participant deferral / active EE | $2,347 | $5,419-56.7% | $6,710-65.0% | $3,608-34.9% |
| Admin fee / account holder | $571 | $5,957-90.4% | $10,265-94.4% | $5,124-88.9% |