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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 | $87,166-77.6% | $76,735-74.5% | $137,256-85.7% |
| Participation rate | 55.0% | 74.4%-19.4pp | 69.5%-14.5pp | 80.0%-25.0pp |
| Annual return | 15.68% | 26.50%-10.8pp | 29.77%-14.1pp | 220.34%-204.7pp |
| Employer contribution / active EE | $712 | $2,904-75.5% | $2,454-71.0% | $4,156-82.9% |
| Participant deferral / active EE | $2,055 | $4,726-56.5% | $4,088-49.7% | $6,407-67.9% |
| Admin fee / account holder | $1,359 | $8,403-83.8% | $7,189-81.1% | $12,270-88.9% |