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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 | $24,936 | $55,889-55.4% | $76,119-67.2% | $80,935-69.2% |
| Participation rate | 43.3% | 62.1%-18.8pp | 69.1%-25.8pp | 67.7%-24.4pp |
| Annual return | 14.14% | 20.58%-6.4pp | 361.25%-347.1pp | 35.66%-21.5pp |
| Employer contribution / active EE | $1,159 | $1,866-37.9% | $2,693-57.0% | $2,757-58.0% |
| Participant deferral / active EE | $2,716 | $3,051-11.0% | $4,259-36.2% | $4,299-36.8% |
| Admin fee / account holder | $1,452 | $5,241-72.3% | $6,421-77.4% | $6,924-79.0% |