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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 | $56,613 | $125,778-55.0% | $114,563-50.6% | $154,746-63.4% |
| Participation rate | 28.6% | 75.2%-46.6pp | 72.9%-44.3pp | 80.7%-52.1pp |
| Annual return | 13.38% | 295.14%-281.8pp | 241.09%-227.7pp | 172.34%-159.0pp |
| Employer contribution / active EE | $632 | $2,806-77.5% | $2,592-75.6% | $4,379-85.6% |
| Participant deferral / active EE | $1,290 | $4,445-71.0% | $4,142-68.8% | $6,730-80.8% |
| Admin fee / account holder | $3,195 | $8,190-61.0% | $7,623-58.1% | $14,365-77.8% |