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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 | $5,611 | $25,014-77.6% | $69,623-91.9% | $80,935-93.1% |
| Participation rate | 62.9% | 64.2%-1.4pp | 66.4%-3.6pp | 67.7%-4.8pp |
| Annual return | 15.37% | 19.08%-3.7pp | 101.23%-85.9pp | 35.66%-20.3pp |
| Employer contribution / active EE | $656 | $991-33.8% | $1,709-61.6% | $2,757-76.2% |
| Participant deferral / active EE | $1,869 | $1,840+1.6% | $2,890-35.3% | $4,299-56.5% |
| Admin fee / account holder | $897 | $2,491-64.0% | $4,696-80.9% | $6,924-87.0% |