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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 | $21,169 | $75,541-72.0% | $152,093-86.1% | $82,637-74.4% |
| Participation rate | 22.8% | 66.5%-43.7pp | 77.8%-55.0pp | 68.1%-45.2pp |
| Annual return | 28.20% | 32.56%-4.4pp | 66.36%-38.2pp | 53.51%-25.3pp |
| Employer contribution / active EE | $342 | $2,622-86.9% | $4,175-91.8% | $2,552-86.6% |
| Participant deferral / active EE | $2,068 | $3,206-35.5% | $5,451-62.1% | $4,126-49.9% |
| Admin fee / account holder | $1,350 | $6,405-78.9% | $14,497-90.7% | $7,339-81.6% |