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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 | $41,226 | $65,246-36.8% | $98,716-58.2% | $67,986-39.4% |
| Participation rate | 38.3% | 51.4%-13.1pp | 69.3%-30.9pp | 57.2%-18.9pp |
| Annual return | 30.59% | 20.58%+10.0pp | 31.81%-1.2pp | 31.67%-1.1pp |
| Employer contribution / active EE | $1,211 | $1,042+16.3% | $2,279-46.8% | $2,019-40.0% |
| Participant deferral / active EE | $2,036 | $2,594-21.5% | $4,048-49.7% | $3,358-39.4% |
| Admin fee / account holder | $501 | $4,561-89.0% | $8,703-94.2% | $3,203-84.3% |