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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 | $66,231 | $36,948+79.3% | $73,658-10.1% | $87,485-24.3% |
| Participation rate | 0.0% | 46.8%-46.8pp | 57.0%-57.0pp | 68.9%-68.9pp |
| Annual return | 23.20% | 28.64%-5.4pp | 29.72%-6.5pp | 26.06%-2.9pp |
| Employer contribution / active EE | $1,016 | $670+51.6% | $1,032-1.6% | $2,596-60.9% |
| Participant deferral / active EE | $1,749 | $1,379+26.8% | $2,062-15.2% | $4,274-59.1% |
| Admin fee / account holder | $2,260 | $2,531-10.7% | $3,357-32.7% | $7,775-70.9% |