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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 | $39,990 | $55,889-28.4% | $76,119-47.5% | $80,935-50.6% |
| Participation rate | 43.6% | 62.1%-18.4pp | 69.1%-25.4pp | 67.7%-24.0pp |
| Annual return | 12.16% | 20.58%-8.4pp | 361.25%-349.1pp | 35.66%-23.5pp |
| Employer contribution / active EE | $1,424 | $1,866-23.7% | $2,693-47.1% | $2,757-48.3% |
| Participant deferral / active EE | $2,813 | $3,051-7.8% | $4,259-34.0% | $4,299-34.6% |
| Admin fee / account holder | $1,007 | $5,241-80.8% | $6,421-84.3% | $6,924-85.5% |