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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 | $58,679 | $50,947+15.2% | $74,551-21.3% | $64,173-8.6% |
| Participation rate | 42.9% | 61.1%-18.2pp | 69.1%-26.3pp | 69.6%-26.7pp |
| Annual return | 30.44% | -1.85%+32.3pp | 32.53%-2.1pp | 7.63%+22.8pp |
| Employer contribution / active EE | $240 | $1,115-78.5% | $1,961-87.8% | $2,381-89.9% |
| Participant deferral / active EE | $1,191 | $2,302-48.3% | $3,108-61.7% | $3,470-65.7% |
| Admin fee / account holder | $583 | $4,221-86.2% | $5,059-88.5% | $4,887-88.1% |