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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 | $57,112 | $93,346-38.8% | $71,796-20.5% | $273,972-79.2% |
| Participation rate | 57.1% | 76.5%-19.4pp | 69.1%-12.0pp | 83.0%-25.9pp |
| Annual return | 12.27% | 130.39%-118.1pp | 78.04%-65.8pp | 41.46%-29.2pp |
| Employer contribution / active EE | $0 | $2,733-100.0% | $1,924-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $3,080 | $3,475-11.4% | $2,794+10.2% | $5,287-41.7% |
| Admin fee / account holder | $965 | $6,571-85.3% | $4,815-80.0% | $10,133-90.5% |