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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 | $63,524 | $101,752-37.6% | $164,928-61.5% | $80,911-21.5% |
| Participation rate | 27.9% | 71.8%-44.0pp | 78.6%-50.8pp | 67.6%-39.8pp |
| Annual return | 16.43% | 16.73%-0.3pp | 70.08%-53.6pp | 35.63%-19.2pp |
| Employer contribution / active EE | $1,373 | $2,953-53.5% | $4,343-68.4% | $2,756-50.2% |
| Participant deferral / active EE | $3,091 | $4,477-31.0% | $6,034-48.8% | $4,297-28.1% |
| Admin fee / account holder | $3,745 | $8,218-54.4% | $12,684-70.5% | $6,935-46.0% |