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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 | $46,548 | $56,134-17.1% | $96,161-51.6% | $85,856-45.8% |
| Participation rate | 23.5% | 56.7%-33.2pp | 68.4%-44.9pp | 69.3%-45.8pp |
| Annual return | 25.57% | 42.30%-16.7pp | 192.01%-166.4pp | 318.58%-293.0pp |
| Employer contribution / active EE | $624 | $1,620-61.5% | $2,798-77.7% | $2,565-75.7% |
| Participant deferral / active EE | $1,290 | $2,858-54.9% | $4,349-70.3% | $3,952-67.4% |
| Admin fee / account holder | $3,268 | $3,769-13.3% | $5,538-41.0% | $6,261-47.8% |