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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 | $34,056 | $93,598-63.6% | $135,974-75.0% | $75,173-54.7% |
| Participation rate | 60.0% | 75.2%-15.2pp | 81.9%-21.9pp | 67.2%-7.2pp |
| Annual return | 18.72% | 30.89%-12.2pp | 68.30%-49.6pp | 160.72%-142.0pp |
| Employer contribution / active EE | $1,701 | $3,538-51.9% | $4,859-65.0% | $2,671-36.3% |
| Participant deferral / active EE | $3,261 | $6,405-49.1% | $7,760-58.0% | $4,126-21.0% |
| Admin fee / account holder | $333 | $6,978-95.2% | $10,767-96.9% | $5,651-94.1% |