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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 | $28,670 | $81,870-65.0% | $119,634-76.0% | $68,490-58.1% |
| Participation rate | 68.8% | 71.9%-3.1pp | 79.3%-10.5pp | 67.9%+0.9pp |
| Annual return | 3.84% | -23.82%+27.7pp | -14.98%+18.8pp | -7.85%+11.7pp |
| Employer contribution / active EE | $1,255 | $2,692-53.4% | $4,232-70.4% | $2,597-51.7% |
| Participant deferral / active EE | $2,023 | $4,148-51.2% | $5,601-63.9% | $4,028-49.8% |
| Admin fee / account holder | $5,827 | $6,583-11.5% | $10,329-43.6% | $5,403+7.9% |