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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 | $57,924 | $70,435-17.8% | $96,575-40.0% | $85,856-32.5% |
| Participation rate | 53.8% | 61.8%-8.0pp | 69.8%-16.0pp | 69.3%-15.5pp |
| Annual return | 20.55% | 18.59%+2.0pp | 37.79%-17.2pp | 318.58%-298.0pp |
| Employer contribution / active EE | $1,243 | $1,413-12.0% | $2,357-47.3% | $2,565-51.5% |
| Participant deferral / active EE | $3,117 | $2,894+7.7% | $3,849-19.0% | $3,952-21.1% |
| Admin fee / account holder | $491 | $4,997-90.2% | $6,182-92.1% | $6,261-92.2% |