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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 | $29,169 | $106,280-72.6% | $96,538-69.8% | $139,487-79.1% |
| Participation rate | 52.6% | 77.8%-25.2pp | 74.3%-21.7pp | 80.3%-27.7pp |
| Annual return | 22.59% | 38.48%-15.9pp | 35.74%-13.1pp | 373.84%-351.3pp |
| Employer contribution / active EE | $2,292 | $4,107-44.2% | $3,740-38.7% | $4,755-51.8% |
| Participant deferral / active EE | $4,133 | $5,457-24.3% | $4,880-15.3% | $6,713-38.4% |
| Admin fee / account holder | $1,781 | $7,888-77.4% | $6,737-73.6% | $11,407-84.4% |