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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 | $14,781 | $104,650-85.9% | $83,854-82.4% | $155,188-90.5% |
| Participation rate | 42.1% | 65.1%-23.0pp | 59.1%-17.0pp | 80.8%-38.7pp |
| Annual return | 17.20% | 28.97%-11.8pp | 31.39%-14.2pp | 148.84%-131.6pp |
| Employer contribution / active EE | $742 | $1,196-38.0% | $1,017-27.1% | $4,248-82.5% |
| Participant deferral / active EE | $1,020 | $2,367-56.9% | $2,035-49.9% | $6,531-84.4% |
| Admin fee / account holder | $417 | $3,518-88.2% | $3,197-87.0% | $14,480-97.1% |