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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 | $49,500 | $69,118-28.4% | $53,647-7.7% | $138,895-64.4% |
| Participation rate | 37.5% | 64.0%-26.5pp | 56.3%-18.8pp | 79.9%-42.4pp |
| Annual return | 17.54% | 248.26%-230.7pp | 358.33%-340.8pp | 145.39%-127.9pp |
| Employer contribution / active EE | $370 | $1,189-68.9% | $962-61.6% | $4,194-91.2% |
| Participant deferral / active EE | $1,762 | $2,274-22.5% | $1,813-2.8% | $6,396-72.5% |
| Admin fee / account holder | $799 | $2,724-70.7% | $2,460-67.5% | $12,562-93.6% |