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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 | $47,271 | $75,962-37.8% | $154,108-69.3% | $64,173-26.3% |
| Participation rate | 47.6% | 70.4%-22.8pp | 83.0%-35.4pp | 69.6%-22.0pp |
| Annual return | -6.78% | 30.32%-37.1pp | 735.21%-742.0pp | 7.63%-14.4pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,409 | $3,175-24.1% | $5,081-52.6% | $3,470-30.6% |
| Admin fee / account holder | $1,465 | $5,589-73.8% | $13,411-89.1% | $4,887-70.0% |