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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 | $21,257 | $71,197-70.1% | $93,669-77.3% | $80,925-73.7% |
| Participation rate | 50.0% | 60.4%-10.4pp | 68.7%-18.7pp | 67.7%-17.7pp |
| Annual return | 14.46% | 11.27%+3.2pp | 133.59%-119.1pp | 35.65%-21.2pp |
| Employer contribution / active EE | $623 | $1,565-60.2% | $2,424-74.3% | $2,756-77.4% |
| Participant deferral / active EE | $2,112 | $4,036-47.7% | $4,416-52.2% | $4,299-50.9% |
| Admin fee / account holder | $680 | $6,959-90.2% | $8,291-91.8% | $6,940-90.2% |