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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 | $66,615 | $35,183+89.3% | $73,550-9.4% | $70,126-5.0% |
| Participation rate | 27.3% | 42.9%-15.7pp | 54.9%-27.7pp | 69.5%-42.3pp |
| Annual return | 15.66% | 26.90%-11.2pp | -15.16%+30.8pp | 73.15%-57.5pp |
| Employer contribution / active EE | $133 | $709-81.2% | $1,219-89.1% | $2,343-94.3% |
| Participant deferral / active EE | $1,016 | $1,220-16.7% | $1,804-43.7% | $3,332-69.5% |
| Admin fee / account holder | $6,493 | $2,302+182.0% | $2,320+179.9% | $4,645+39.8% |