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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 | $43,570 | $59,006-26.2% | $97,197-55.2% | $74,429-41.5% |
| Participation rate | 68.3% | 63.7%+4.6pp | 72.7%-4.4pp | 67.2%+1.1pp |
| Annual return | 16.99% | 16.04%+1.0pp | 75.47%-58.5pp | 1368.38%-1351.4pp |
| Employer contribution / active EE | $1,817 | $1,894-4.1% | $2,723-33.3% | $2,625-30.8% |
| Participant deferral / active EE | $4,312 | $3,671+17.5% | $4,263+1.2% | $4,348-0.8% |
| Admin fee / account holder | $1,311 | $1,974-33.6% | $5,637-76.7% | $1,944-32.6% |