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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 | $32,641 | $111,535-70.7% | $105,223-69.0% | $137,256-76.2% |
| Participation rate | 53.8% | 78.1%-24.2pp | 75.0%-21.2pp | 80.0%-26.1pp |
| Annual return | 18.68% | 237.85%-219.2pp | 180.65%-162.0pp | 220.34%-201.7pp |
| Employer contribution / active EE | $1,889 | $3,939-52.0% | $3,689-48.8% | $4,156-54.5% |
| Participant deferral / active EE | $4,040 | $5,500-26.5% | $5,072-20.3% | $6,407-36.9% |
| Admin fee / account holder | $4,844 | $9,721-50.2% | $8,859-45.3% | $12,270-60.5% |