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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 | $38,082 | $101,950-62.6% | $125,529-69.7% | $86,983-56.2% |
| Participation rate | 59.2% | 70.2%-11.0pp | 74.7%-15.6pp | 69.5%-10.4pp |
| Annual return | 18.36% | 18.29%+0.1pp | 202.56%-184.2pp | 25.83%-7.5pp |
| Employer contribution / active EE | $1,321 | $2,358-44.0% | $3,058-56.8% | $2,584-48.9% |
| Participant deferral / active EE | $3,217 | $3,862-16.7% | $4,813-33.1% | $4,194-23.3% |
| Admin fee / account holder | $4,621 | $12,791-63.9% | $16,298-71.6% | $7,856-41.2% |