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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 | $37,776 | $84,236-55.2% | $170,439-77.8% | $70,124-46.1% |
| Participation rate | 67.7% | 70.8%-3.1pp | 83.6%-15.9pp | 69.5%-1.8pp |
| Annual return | 15.60% | 23.06%-7.5pp | 205.94%-190.3pp | 73.14%-57.5pp |
| Employer contribution / active EE | $1,768 | $3,387-47.8% | $5,433-67.5% | $2,342-24.5% |
| Participant deferral / active EE | $4,117 | $3,086+33.4% | $4,939-16.6% | $3,332+23.6% |
| Admin fee / account holder | $920 | $5,698-83.9% | $13,881-93.4% | $4,645-80.2% |