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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 | $16,031 | $63,809-74.9% | $81,353-80.3% | $80,935-80.2% |
| Participation rate | 40.0% | 63.9%-23.9pp | 69.5%-29.5pp | 67.7%-27.7pp |
| Annual return | 27.18% | 16.37%+10.8pp | 24.82%+2.4pp | 35.66%-8.5pp |
| Employer contribution / active EE | $1,540 | $1,981-22.2% | $2,464-37.5% | $2,757-44.1% |
| Participant deferral / active EE | $2,897 | $3,093-6.3% | $3,885-25.4% | $4,299-32.6% |
| Admin fee / account holder | $528 | $5,686-90.7% | $5,766-90.8% | $6,924-92.4% |