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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 | $48,687 | $90,607-46.3% | $79,467-38.7% | $135,380-64.0% |
| Participation rate | 63.6% | 76.0%-12.4pp | 73.3%-9.7pp | 82.6%-19.0pp |
| Annual return | -6.58% | 977.74%-984.3pp | 718.30%-724.9pp | 519.81%-526.4pp |
| Employer contribution / active EE | $760 | $3,068-75.2% | $2,800-72.8% | $4,779-84.1% |
| Participant deferral / active EE | $4,453 | $4,050+9.9% | $3,704+20.2% | $5,609-20.6% |
| Admin fee / account holder | $2,311 | $5,895-60.8% | $5,104-54.7% | $10,828-78.7% |