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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 | $34,482 | $77,896-55.7% | $134,172-74.3% | $82,448-58.2% |
| Participation rate | 29.1% | 62.8%-33.7pp | 72.5%-43.4pp | 68.1%-39.0pp |
| Annual return | 22.20% | 18.21%+4.0pp | 25.30%-3.1pp | 41.64%-19.4pp |
| Employer contribution / active EE | $897 | $2,159-58.5% | $3,420-73.8% | $2,551-64.9% |
| Participant deferral / active EE | $1,439 | $3,162-54.5% | $4,690-69.3% | $4,139-65.2% |
| Admin fee / account holder | $1,503 | $6,336-76.3% | $12,016-87.5% | $7,234-79.2% |