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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 | $71,268 | $97,125-26.6% | $86,233-17.4% | $137,256-48.1% |
| Participation rate | 41.7% | 74.2%-32.5pp | 69.0%-27.4pp | 80.0%-38.3pp |
| Annual return | 21.42% | 74.19%-52.8pp | 61.39%-40.0pp | 220.34%-198.9pp |
| Employer contribution / active EE | $403 | $2,841-85.8% | $2,504-83.9% | $4,156-90.3% |
| Participant deferral / active EE | $1,154 | $5,180-77.7% | $4,559-74.7% | $6,407-82.0% |
| Admin fee / account holder | $546 | $9,725-94.4% | $8,342-93.5% | $12,270-95.6% |