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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 | $35,572 | $88,672-59.9% | $105,223-66.2% | $82,448-56.9% |
| Participation rate | 48.6% | 67.9%-19.4pp | 75.0%-26.5pp | 68.1%-19.5pp |
| Annual return | 19.86% | 30.86%-11.0pp | 180.65%-160.8pp | 41.64%-21.8pp |
| Employer contribution / active EE | $1,534 | $3,048-49.7% | $3,689-58.4% | $2,551-39.9% |
| Participant deferral / active EE | $2,680 | $4,036-33.6% | $5,072-47.2% | $4,139-35.3% |
| Admin fee / account holder | $10,014 | $7,146+40.1% | $8,859+13.0% | $7,234+38.4% |