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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 | $47,520 | $99,633-52.3% | $183,328-74.1% | $82,448-42.4% |
| Participation rate | 51.4% | 70.8%-19.4pp | 77.3%-26.0pp | 68.1%-16.7pp |
| Annual return | 14.48% | 17.84%-3.4pp | 29.67%-15.2pp | 41.64%-27.2pp |
| Employer contribution / active EE | $1,308 | $3,256-59.8% | $5,055-74.1% | $2,551-48.7% |
| Participant deferral / active EE | $2,370 | $4,938-52.0% | $6,795-65.1% | $4,139-42.7% |
| Admin fee / account holder | $7,700 | $9,934-22.5% | $21,427-64.1% | $7,234+6.4% |