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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 | $51,050 | $73,532-30.6% | $178,505-71.4% | $74,478-31.5% |
| Participation rate | 29.4% | 66.6%-37.2pp | 77.1%-47.7pp | 67.2%-37.8pp |
| Annual return | 11.64% | 17.49%-5.9pp | 27.16%-15.5pp | 1370.56%-1358.9pp |
| Employer contribution / active EE | $852 | $2,221-61.6% | $3,955-78.5% | $2,626-67.6% |
| Participant deferral / active EE | $2,003 | $4,519-55.7% | $6,280-68.1% | $4,350-54.0% |
| Admin fee / account holder | $2,404 | $1,813+32.7% | $10,428-76.9% | $1,946+23.6% |