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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 | $15,097 | $108,285-86.1% | $77,552-80.5% | $158,982-90.5% |
| Participation rate | 43.5% | 64.4%-20.9pp | 54.2%-10.7pp | 82.0%-38.5pp |
| Annual return | 14.81% | 31.69%-16.9pp | 54.82%-40.0pp | 302.99%-288.2pp |
| Employer contribution / active EE | $630 | $1,325-52.5% | $987-36.2% | $4,763-86.8% |
| Participant deferral / active EE | $2,550 | $2,455+3.9% | $1,861+37.1% | $5,983-57.4% |
| Admin fee / account holder | $1,617 | $3,709-56.4% | $2,859-43.5% | $11,252-85.6% |