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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 | $26,632 | $81,331-67.3% | $155,534-82.9% | $80,935-67.1% |
| Participation rate | 64.6% | 66.3%-1.7pp | 78.2%-13.7pp | 67.7%-3.1pp |
| Annual return | 15.30% | 33.37%-18.1pp | 64.92%-49.6pp | 35.66%-20.4pp |
| Employer contribution / active EE | $1,410 | $3,105-54.6% | $4,675-69.8% | $2,757-48.9% |
| Participant deferral / active EE | $3,780 | $3,454+9.4% | $5,630-32.9% | $4,299-12.1% |
| Admin fee / account holder | $3,341 | $7,999-58.2% | $15,900-79.0% | $6,924-51.8% |