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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 | $53,733 | $108,285-50.4% | $77,552-30.7% | $158,982-66.2% |
| Participation rate | 30.0% | 64.4%-34.4pp | 54.2%-24.2pp | 82.0%-52.0pp |
| Annual return | 15.98% | 31.69%-15.7pp | 54.82%-38.8pp | 302.99%-287.0pp |
| Employer contribution / active EE | $438 | $1,325-66.9% | $987-55.6% | $4,763-90.8% |
| Participant deferral / active EE | $3,407 | $2,455+38.8% | $1,861+83.1% | $5,983-43.1% |
| Admin fee / account holder | $470 | $3,709-87.3% | $2,859-83.6% | $11,252-95.8% |