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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 | $44,643 | $54,541-18.1% | $78,778-43.3% | $70,126-36.3% |
| Participation rate | 55.1% | 60.8%-5.7pp | 69.2%-14.1pp | 69.5%-14.4pp |
| Annual return | 13.43% | 21.07%-7.6pp | 35.62%-22.2pp | 73.15%-59.7pp |
| Employer contribution / active EE | $437 | $1,089-59.9% | $1,986-78.0% | $2,343-81.4% |
| Participant deferral / active EE | $1,746 | $2,210-21.0% | $2,958-41.0% | $3,332-47.6% |
| Admin fee / account holder | $3,537 | $3,709-4.6% | $5,134-31.1% | $4,645-23.9% |