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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 | $19,567 | $88,996-78.0% | $78,004-74.9% | $138,895-85.9% |
| Participation rate | 55.0% | 74.4%-19.4pp | 69.4%-14.4pp | 79.9%-24.9pp |
| Annual return | 15.68% | 28.03%-12.4pp | 31.07%-15.4pp | 145.39%-129.7pp |
| Employer contribution / active EE | $712 | $2,917-75.6% | $2,469-71.2% | $4,194-83.0% |
| Participant deferral / active EE | $2,055 | $4,724-56.5% | $4,092-49.8% | $6,396-67.9% |
| Admin fee / account holder | $1,359 | $8,807-84.6% | $7,578-82.1% | $12,562-89.2% |