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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 | $20,865 | $106,280-80.4% | $96,538-78.4% | $139,487-85.0% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 20.23% | 38.48%-18.3pp | 35.74%-15.5pp | 373.84%-353.6pp |
| Employer contribution / active EE | $1,401 | $4,107-65.9% | $3,740-62.6% | $4,755-70.5% |
| Participant deferral / active EE | $2,781 | $5,457-49.0% | $4,880-43.0% | $6,713-58.6% |
| Admin fee / account holder | $363 | $7,888-95.4% | $6,737-94.6% | $11,407-96.8% |