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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 | $65,874 | $118,488-44.4% | $98,462-33.1% | $139,487-52.8% |
| Participation rate | 50.0% | 77.5%-27.5pp | 75.2%-25.2pp | 80.3%-30.3pp |
| Annual return | 14.23% | 18.96%-4.7pp | 21.17%-6.9pp | 373.84%-359.6pp |
| Employer contribution / active EE | $1,558 | $3,611-56.9% | $3,049-48.9% | $4,755-67.2% |
| Participant deferral / active EE | $4,273 | $5,393-20.8% | $4,738-9.8% | $6,713-36.3% |
| Admin fee / account holder | $306 | $13,868-97.8% | $8,875-96.6% | $11,407-97.3% |