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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 | $34,419 | $73,459-53.1% | $178,528-80.7% | $74,429-53.8% |
| Participation rate | 41.2% | 66.5%-25.4pp | 77.1%-35.9pp | 67.2%-26.0pp |
| Annual return | 18.13% | 17.50%+0.6pp | 27.11%-9.0pp | 1368.38%-1350.3pp |
| Employer contribution / active EE | $1,327 | $2,219-40.2% | $3,950-66.4% | $2,625-49.4% |
| Participant deferral / active EE | $2,239 | $4,515-50.4% | $6,278-64.3% | $4,348-48.5% |
| Admin fee / account holder | $3,806 | $1,812+110.0% | $10,419-63.5% | $1,944+95.7% |