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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 | $58,794 | $76,407-23.1% | $150,298-60.9% | $82,448-28.7% |
| Participation rate | 44.2% | 66.4%-22.2pp | 77.8%-33.6pp | 68.1%-23.9pp |
| Annual return | 16.39% | 39.99%-23.6pp | 62.79%-46.4pp | 41.64%-25.2pp |
| Employer contribution / active EE | $791 | $2,614-69.7% | $4,154-80.9% | $2,551-69.0% |
| Participant deferral / active EE | $4,387 | $3,214+36.5% | $5,453-19.5% | $4,139+6.0% |
| Admin fee / account holder | $3,937 | $6,352-38.0% | $14,116-72.1% | $7,234-45.6% |