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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 | $48,739 | $110,337-55.8% | $102,383-52.4% | $145,877-66.6% |
| Participation rate | 44.4% | 77.9%-33.5pp | 74.5%-30.1pp | 80.3%-35.9pp |
| Annual return | 19.52% | 24.83%-5.3pp | 24.94%-5.4pp | 551.28%-531.8pp |
| Employer contribution / active EE | $2,636 | $4,216-37.5% | $3,870-31.9% | $4,663-43.5% |
| Participant deferral / active EE | $8,808 | $5,621+56.7% | $5,060+74.1% | $6,691+31.6% |
| Admin fee / account holder | $12,796 | $9,750+31.2% | $8,391+52.5% | $13,402-4.5% |