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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 | $24,078 | $37,156-35.2% | $83,854-71.3% | $86,983-72.3% |
| Participation rate | 37.9% | 49.1%-11.1pp | 59.1%-21.2pp | 69.5%-31.6pp |
| Annual return | 18.99% | 29.88%-10.9pp | 31.39%-12.4pp | 25.83%-6.8pp |
| Employer contribution / active EE | $1,562 | $661+136.3% | $1,017+53.5% | $2,584-39.6% |
| Participant deferral / active EE | $1,558 | $1,418+9.9% | $2,035-23.5% | $4,194-62.9% |
| Admin fee / account holder | $1,329 | $2,510-47.1% | $3,197-58.4% | $7,856-83.1% |