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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 | $93,138 | $64,729+43.9% | $112,263-17.0% | $68,490+36.0% |
| Participation rate | 25.8% | 67.2%-41.3pp | 75.1%-49.2pp | 67.9%-42.1pp |
| Annual return | -15.09% | -11.40%-3.7pp | 27.49%-42.6pp | -7.85%-7.2pp |
| Employer contribution / active EE | $1,202 | $2,746-56.2% | $3,636-66.9% | $2,597-53.7% |
| Participant deferral / active EE | $2,405 | $3,566-32.6% | $4,729-49.2% | $4,028-40.3% |
| Admin fee / account holder | $2,834 | $5,222-45.7% | $6,410-55.8% | $5,403-47.6% |