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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 | $83,809 | $110,337-24.0% | $102,383-18.1% | $145,877-42.5% |
| Participation rate | 40.0% | 77.9%-37.9pp | 74.5%-34.5pp | 80.3%-40.3pp |
| Annual return | 17.14% | 24.83%-7.7pp | 24.94%-7.8pp | 551.28%-534.1pp |
| Employer contribution / active EE | $2,199 | $4,216-47.8% | $3,870-43.2% | $4,663-52.8% |
| Participant deferral / active EE | $3,863 | $5,621-31.3% | $5,060-23.6% | $6,691-42.3% |
| Admin fee / account holder | $5,868 | $9,750-39.8% | $8,391-30.1% | $13,402-56.2% |