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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 | $58,618 | $110,337-46.9% | $102,383-42.7% | $145,877-59.8% |
| Participation rate | 55.6% | 77.9%-22.4pp | 74.5%-19.0pp | 80.3%-24.7pp |
| Annual return | 13.68% | 24.83%-11.2pp | 24.94%-11.3pp | 551.28%-537.6pp |
| Employer contribution / active EE | $1,059 | $4,216-74.9% | $3,870-72.6% | $4,663-77.3% |
| Participant deferral / active EE | $2,405 | $5,621-57.2% | $5,060-52.5% | $6,691-64.1% |
| Admin fee / account holder | $3,148 | $9,750-67.7% | $8,391-62.5% | $13,402-76.5% |