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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 | $10,175 | $58,627-82.6% | $76,735-86.7% | $82,448-87.7% |
| Participation rate | 67.1% | 63.2%+3.9pp | 69.5%-2.4pp | 68.1%-1.0pp |
| Annual return | 22.19% | 39.10%-16.9pp | 29.77%-7.6pp | 41.64%-19.4pp |
| Employer contribution / active EE | $649 | $1,729-62.5% | $2,454-73.6% | $2,551-74.6% |
| Participant deferral / active EE | $2,106 | $3,134-32.8% | $4,088-48.5% | $4,139-49.1% |
| Admin fee / account holder | $709 | $5,323-86.7% | $7,189-90.1% | $7,234-90.2% |