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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 | $30,878 | $73,787-58.2% | $98,716-68.7% | $82,448-62.5% |
| Participation rate | 51.0% | 61.4%-10.4pp | 69.3%-18.3pp | 68.1%-17.0pp |
| Annual return | 16.57% | 18.57%-2.0pp | 31.81%-15.2pp | 41.64%-25.1pp |
| Employer contribution / active EE | $786 | $1,511-48.0% | $2,279-65.5% | $2,551-69.2% |
| Participant deferral / active EE | $1,774 | $3,081-42.4% | $4,048-56.2% | $4,139-57.1% |
| Admin fee / account holder | $906 | $6,500-86.1% | $8,703-89.6% | $7,234-87.5% |