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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 | $74,693 | $60,442+23.6% | $96,754-22.8% | $87,485-14.6% |
| Participation rate | 22.4% | 58.7%-36.3pp | 70.3%-47.9pp | 68.9%-46.5pp |
| Annual return | 16.96% | 21.97%-5.0pp | 82.04%-65.1pp | 26.06%-9.1pp |
| Employer contribution / active EE | $1,078 | $1,691-36.2% | $2,679-59.8% | $2,596-58.5% |
| Participant deferral / active EE | $2,785 | $3,280-15.1% | $4,758-41.5% | $4,274-34.8% |
| Admin fee / account holder | $1,261 | $5,069-75.1% | $8,905-85.8% | $7,775-83.8% |