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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 | $33,594 | $98,766-66.0% | $149,730-77.6% | $79,852-57.9% |
| Participation rate | 57.8% | 75.8%-18.0pp | 82.5%-24.7pp | 69.6%-11.9pp |
| Annual return | 17.47% | 27.43%-10.0pp | 276.70%-259.2pp | 31.72%-14.3pp |
| Employer contribution / active EE | $1,520 | $3,217-52.7% | $4,645-67.3% | $2,471-38.5% |
| Participant deferral / active EE | $2,971 | $5,681-47.7% | $6,843-56.6% | $3,740-20.6% |
| Admin fee / account holder | $3,841 | $6,052-36.5% | $9,310-58.7% | $5,306-27.6% |