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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 | $45,740 | $80,332-43.1% | $107,187-57.3% | $64,097-28.6% |
| Participation rate | 34.1% | 54.4%-20.3pp | 75.0%-40.9pp | 55.2%-21.1pp |
| Annual return | 20.52% | 24.26%-3.7pp | 204.55%-184.0pp | 34.64%-14.1pp |
| Employer contribution / active EE | $1,313 | $2,501-47.5% | $3,782-65.3% | $1,891-30.6% |
| Participant deferral / active EE | $2,494 | $3,109-19.8% | $5,096-51.1% | $3,080-19.0% |
| Admin fee / account holder | $2,115 | $4,314-51.0% | $9,162-76.9% | $3,454-38.8% |