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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 | $43,328 | $81,504-46.8% | $102,437-57.7% | $80,959-46.5% |
| Participation rate | 28.6% | 66.9%-38.3pp | 74.5%-45.9pp | 67.7%-39.1pp |
| Annual return | 12.56% | 25.60%-13.0pp | 24.95%-12.4pp | 35.67%-23.1pp |
| Employer contribution / active EE | $1,151 | $3,104-62.9% | $3,871-70.3% | $2,757-58.2% |
| Participant deferral / active EE | $2,980 | $3,871-23.0% | $5,060-41.1% | $4,300-30.7% |
| Admin fee / account holder | $2,599 | $6,719-61.3% | $8,388-69.0% | $6,925-62.5% |