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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 | $53,761 | $77,920-31.0% | $149,723-64.1% | $75,177-28.5% |
| Participation rate | 45.2% | 65.6%-20.4pp | 78.8%-33.6pp | 67.2%-22.0pp |
| Annual return | 17.00% | 31.72%-14.7pp | 134.50%-117.5pp | 160.75%-143.8pp |
| Employer contribution / active EE | $1,061 | $3,138-66.2% | $4,821-78.0% | $2,671-60.3% |
| Participant deferral / active EE | $2,152 | $3,411-36.9% | $5,682-62.1% | $4,126-47.9% |
| Admin fee / account holder | $626 | $5,951-89.5% | $13,215-95.3% | $5,651-88.9% |