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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 | $70,408 | $124,351-43.4% | $109,188-35.5% | $167,553-58.0% |
| Participation rate | 42.1% | 79.4%-37.3pp | 75.9%-33.8pp | 82.1%-40.0pp |
| Annual return | 12.73% | 26.04%-13.3pp | 25.76%-13.0pp | 478.89%-466.2pp |
| Employer contribution / active EE | $1,139 | $4,210-72.9% | $3,723-69.4% | $4,840-76.5% |
| Participant deferral / active EE | $2,537 | $5,257-51.7% | $4,654-45.5% | $6,343-60.0% |
| Admin fee / account holder | $633 | $7,975-92.1% | $6,755-90.6% | $12,316-94.9% |