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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 | $37,611 | $77,574-51.5% | $108,753-65.4% | $86,983-56.8% |
| Participation rate | 33.3% | 62.3%-29.0pp | 71.1%-37.8pp | 69.5%-36.2pp |
| Annual return | 20.90% | 18.42%+2.5pp | 37.47%-16.6pp | 25.83%-4.9pp |
| Employer contribution / active EE | $586 | $1,611-63.6% | $2,427-75.8% | $2,584-77.3% |
| Participant deferral / active EE | $1,698 | $3,128-45.7% | $4,115-58.7% | $4,194-59.5% |
| Admin fee / account holder | $4,434 | $6,529-32.1% | $10,320-57.0% | $7,856-43.6% |