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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 | $51,390 | $103,393-50.3% | $87,103-41.0% | $152,909-66.4% |
| Participation rate | 50.0% | 79.4%-29.4pp | 76.9%-26.9pp | 82.5%-32.5pp |
| Annual return | 28.06% | 28.10%0pp | 28.19%-0.1pp | 345.46%-317.4pp |
| Employer contribution / active EE | $1,502 | $3,221-53.4% | $2,521-40.5% | $4,764-68.5% |
| Participant deferral / active EE | $5,378 | $4,778+12.5% | $4,049+32.8% | $5,851-8.1% |
| Admin fee / account holder | $823 | $12,195-93.3% | $7,491-89.0% | $11,601-92.9% |