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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 | $79,432 | $154,193-48.5% | $130,045-38.9% | $139,466-43.0% |
| Participation rate | 60.0% | 82.0%-22.0pp | 78.5%-18.5pp | 80.3%-20.3pp |
| Annual return | 13.27% | 32.51%-19.2pp | -137.30%+150.6pp | 373.66%-360.4pp |
| Employer contribution / active EE | $1,136 | $5,292-78.5% | $4,321-73.7% | $4,754-76.1% |
| Participant deferral / active EE | $4,623 | $6,709-31.1% | $5,820-20.6% | $6,712-31.1% |
| Admin fee / account holder | $842 | $13,989-94.0% | $10,600-92.1% | $11,409-92.6% |