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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 | $112,071 | $138,076-18.8% | $123,553-9.3% | $135,380-17.2% |
| Participation rate | 60.0% | 84.7%-24.7pp | 82.3%-22.3pp | 82.6%-22.6pp |
| Annual return | -7.57% | 153.70%-161.3pp | 119.21%-126.8pp | 519.81%-527.4pp |
| Employer contribution / active EE | $3,296 | $5,152-36.0% | $4,628-28.8% | $4,779-31.0% |
| Participant deferral / active EE | $10,143 | $6,800+49.2% | $6,426+57.8% | $5,609+80.8% |
| Admin fee / account holder | $857 | $10,917-92.1% | $9,284-90.8% | $10,828-92.1% |