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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 | $9,073 | $32,037-71.7% | $69,182-86.9% | $62,881-85.6% |
| Participation rate | 66.0% | 43.4%+22.6pp | 55.1%+10.9pp | 69.3%-3.3pp |
| Annual return | 7.52% | 15.16%-7.6pp | -21.93%+29.5pp | 20.14%-12.6pp |
| Employer contribution / active EE | $332 | $679-51.1% | $1,206-72.4% | $2,281-85.4% |
| Participant deferral / active EE | $606 | $1,185-48.8% | $1,897-68.0% | $3,203-81.1% |
| Admin fee / account holder | $707 | $2,608-72.9% | $2,697-73.8% | $4,296-83.6% |