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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 | $79,180 | $91,198-13.2% | $178,503-55.6% | $79,856-0.8% |
| Participation rate | 44.8% | 69.2%-24.4pp | 81.9%-37.1pp | 69.6%-24.8pp |
| Annual return | 12.84% | 24.20%-11.4pp | 151.12%-138.3pp | 31.71%-18.9pp |
| Employer contribution / active EE | $528 | $3,257-83.8% | $5,011-89.5% | $2,471-78.6% |
| Participant deferral / active EE | $3,397 | $3,237+5.0% | $5,202-34.7% | $3,741-9.2% |
| Admin fee / account holder | $8,779 | $6,748+30.1% | $13,987-37.2% | $5,306+65.4% |