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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 | $36,941 | $45,343-18.5% | $150,298-75.4% | $67,986-45.7% |
| Participation rate | 18.4% | 51.9%-33.5pp | 77.8%-59.4pp | 57.2%-38.8pp |
| Annual return | 21.59% | 33.28%-11.7pp | 62.79%-41.2pp | 31.67%-10.1pp |
| Employer contribution / active EE | $376 | $1,462-74.3% | $4,154-90.9% | $2,019-81.4% |
| Participant deferral / active EE | $781 | $2,055-62.0% | $5,453-85.7% | $3,358-76.7% |
| Admin fee / account holder | $2,949 | $2,250+31.1% | $14,116-79.1% | $3,203-7.9% |