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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 | $43,091 | $110,137-60.9% | $161,149-73.3% | $82,637-47.9% |
| Participation rate | 38.9% | 72.4%-33.5pp | 78.8%-39.9pp | 68.1%-29.2pp |
| Annual return | 15.20% | 20.69%-5.5pp | 21.16%-6.0pp | 53.51%-38.3pp |
| Employer contribution / active EE | $1,297 | $2,856-54.6% | $4,360-70.3% | $2,552-49.2% |
| Participant deferral / active EE | $3,858 | $4,575-15.7% | $6,153-37.3% | $4,126-6.5% |
| Admin fee / account holder | $1,777 | $9,467-81.2% | $15,194-88.3% | $7,339-75.8% |