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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 | $31,762 | $142,392-77.7% | $119,622-73.4% | $134,532-76.4% |
| Participation rate | 50.0% | 82.8%-32.8pp | 79.3%-29.3pp | 81.2%-31.2pp |
| Annual return | -17.19% | -12.46%-4.7pp | -14.98%-2.2pp | 418.27%-435.5pp |
| Employer contribution / active EE | $1,146 | $5,224-78.1% | $4,232-72.9% | $4,741-75.8% |
| Participant deferral / active EE | $4,202 | $6,467-35.0% | $5,601-25.0% | $6,401-34.4% |
| Admin fee / account holder | $3,656 | $13,593-73.1% | $10,328-64.6% | $11,429-68.0% |