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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 | $43,797 | $73,988-40.8% | $96,538-54.6% | $75,177-41.7% |
| Participation rate | 35.3% | 66.4%-31.1pp | 74.3%-39.1pp | 67.2%-31.9pp |
| Annual return | 74.36% | 26.73%+47.6pp | 35.74%+38.6pp | 160.75%-86.4pp |
| Employer contribution / active EE | $873 | $2,930-70.2% | $3,740-76.7% | $2,671-67.3% |
| Participant deferral / active EE | $2,576 | $3,660-29.6% | $4,880-47.2% | $4,126-37.6% |
| Admin fee / account holder | $4,615 | $5,220-11.6% | $6,737-31.5% | $5,651-18.3% |