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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 | $39,341 | $106,247-63.0% | $96,515-59.2% | $139,466-71.8% |
| Participation rate | 28.6% | 77.8%-49.3pp | 74.3%-45.8pp | 80.3%-51.8pp |
| Annual return | 25.59% | 38.47%-12.9pp | 35.73%-10.1pp | 373.66%-348.1pp |
| Employer contribution / active EE | $1,639 | $4,106-60.1% | $3,740-56.2% | $4,754-65.5% |
| Participant deferral / active EE | $7,674 | $5,456+40.7% | $4,880+57.3% | $6,712+14.3% |
| Admin fee / account holder | $750 | $7,885-90.5% | $6,735-88.9% | $11,409-93.4% |