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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 | $21,797 | $68,681-68.3% | $86,615-74.8% | $85,847-74.6% |
| Participation rate | 54.3% | 66.4%-12.1pp | 71.6%-17.4pp | 69.3%-15.0pp |
| Annual return | 17.62% | 20.12%-2.5pp | 63.51%-45.9pp | 318.61%-301.0pp |
| Employer contribution / active EE | $1,987 | $1,880+5.7% | $2,496-20.4% | $2,565-22.5% |
| Participant deferral / active EE | $3,082 | $2,919+5.6% | $3,699-16.7% | $3,952-22.0% |
| Admin fee / account holder | $431 | $5,974-92.8% | $5,830-92.6% | $6,261-93.1% |