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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 | $23,838 | $81,487-70.7% | $102,412-76.7% | $80,935-70.5% |
| Participation rate | 38.4% | 66.8%-28.5pp | 74.5%-36.1pp | 67.7%-29.3pp |
| Annual return | 18.10% | 25.60%-7.5pp | 24.94%-6.8pp | 35.66%-17.6pp |
| Employer contribution / active EE | $1,156 | $3,103-62.8% | $3,870-70.1% | $2,757-58.1% |
| Participant deferral / active EE | $2,419 | $3,871-37.5% | $5,060-52.2% | $4,299-43.7% |
| Admin fee / account holder | $1,160 | $6,717-82.7% | $8,388-86.2% | $6,924-83.2% |