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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 | $44,569 | $103,164-56.8% | $90,259-50.6% | $154,746-71.2% |
| Participation rate | 41.7% | 76.1%-34.4pp | 70.7%-29.1pp | 80.7%-39.0pp |
| Annual return | 14.73% | 19.25%-4.5pp | 18.88%-4.1pp | 172.34%-157.6pp |
| Employer contribution / active EE | $1,231 | $2,532-51.4% | $2,291-46.3% | $4,379-71.9% |
| Participant deferral / active EE | $2,008 | $4,422-54.6% | $3,827-47.5% | $6,730-70.2% |
| Admin fee / account holder | $1,498 | $8,593-82.6% | $7,267-79.4% | $14,365-89.6% |