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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 | $43,955 | $74,535-41.0% | $100,712-56.4% | $82,637-46.8% |
| Participation rate | 55.3% | 61.2%-5.9pp | 69.3%-14.0pp | 68.1%-12.7pp |
| Annual return | 18.51% | 18.92%-0.4pp | 33.27%-14.8pp | 53.51%-35.0pp |
| Employer contribution / active EE | $570 | $1,503-62.1% | $2,313-75.4% | $2,552-77.7% |
| Participant deferral / active EE | $3,575 | $3,074+16.3% | $4,085-12.5% | $4,126-13.4% |
| Admin fee / account holder | $3,560 | $6,576-45.9% | $9,256-61.5% | $7,339-51.5% |