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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 | $40,598 | $64,010-36.6% | $108,359-62.5% | $64,340-36.9% |
| Participation rate | 27.4% | 49.4%-21.9pp | 70.1%-42.7pp | 55.2%-27.8pp |
| Annual return | 26.65% | 19.74%+6.9pp | 36.89%-10.2pp | 24.14%+2.5pp |
| Employer contribution / active EE | $280 | $1,029-72.8% | $2,399-88.3% | $1,862-85.0% |
| Participant deferral / active EE | $1,626 | $2,395-32.1% | $4,137-60.7% | $2,980-45.4% |
| Admin fee / account holder | $2,940 | $4,885-39.8% | $9,741-69.8% | $3,703-20.6% |