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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 | $40,486 | $81,504-50.3% | $102,437-60.5% | $80,959-50.0% |
| Participation rate | 51.4% | 66.9%-15.4pp | 74.5%-23.1pp | 67.7%-16.2pp |
| Annual return | 13.29% | 25.60%-12.3pp | 24.95%-11.7pp | 35.67%-22.4pp |
| Employer contribution / active EE | $1,187 | $3,104-61.8% | $3,871-69.3% | $2,757-57.0% |
| Participant deferral / active EE | $2,900 | $3,871-25.1% | $5,060-42.7% | $4,300-32.6% |
| Admin fee / account holder | $604 | $6,719-91.0% | $8,388-92.8% | $6,925-91.3% |