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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 | $55,276 | $83,369-33.7% | $105,223-47.5% | $67,986-18.7% |
| Participation rate | 41.9% | 56.3%-14.4pp | 75.0%-33.2pp | 57.2%-15.3pp |
| Annual return | 16.54% | 24.64%-8.1pp | 180.65%-164.1pp | 31.67%-15.1pp |
| Employer contribution / active EE | $1,156 | $2,541-54.5% | $3,689-68.7% | $2,019-42.7% |
| Participant deferral / active EE | $1,927 | $3,295-41.5% | $5,072-62.0% | $3,358-42.6% |
| Admin fee / account holder | $3,350 | $4,073-17.7% | $8,859-62.2% | $3,203+4.6% |