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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 | $51,017 | $78,423-34.9% | $95,964-46.8% | $79,856-36.1% |
| Participation rate | 68.4% | 73.5%-5.1pp | 77.1%-8.7pp | 69.6%-1.2pp |
| Annual return | 12.42% | 19.37%-7.0pp | 91.64%-79.2pp | 31.71%-19.3pp |
| Employer contribution / active EE | $789 | $1,945-59.4% | $2,541-68.9% | $2,471-68.1% |
| Participant deferral / active EE | $2,671 | $3,440-22.4% | $4,167-35.9% | $3,741-28.6% |
| Admin fee / account holder | $7,180 | $5,622+27.7% | $6,797+5.6% | $5,306+35.3% |