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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 | $23,581 | $27,800-15.2% | $58,561-59.7% | $71,511-67.0% |
| Participation rate | 32.5% | 34.6%-2.1pp | 50.9%-18.3pp | 67.9%-35.4pp |
| Annual return | 19.20% | 26.80%-7.6pp | 4251.33%-4232.1pp | 28.86%-9.7pp |
| Employer contribution / active EE | $660 | $632+4.6% | $1,053-37.3% | $2,589-74.5% |
| Participant deferral / active EE | $2,395 | $1,208+98.2% | $1,923+24.5% | $4,291-44.2% |
| Admin fee / account holder | $1,961 | $1,637+19.8% | $2,520-22.2% | $1,588+23.5% |