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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 | $33,924 | $71,230-52.4% | $93,727-63.8% | $80,959-58.1% |
| Participation rate | 42.2% | 60.4%-18.2pp | 68.7%-26.5pp | 67.7%-25.5pp |
| Annual return | 12.53% | 11.26%+1.3pp | 133.83%-121.3pp | 35.67%-23.1pp |
| Employer contribution / active EE | $1,522 | $1,565-2.8% | $2,421-37.2% | $2,757-44.8% |
| Participant deferral / active EE | $2,827 | $4,037-30.0% | $4,417-36.0% | $4,300-34.3% |
| Admin fee / account holder | $9,415 | $6,961+35.3% | $8,292+13.5% | $6,925+35.9% |