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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 | $106,598 | $95,917+11.1% | $79,583+33.9% | $134,545-20.8% |
| Participation rate | 68.2% | 75.0%-6.9pp | 69.5%-1.3pp | 81.2%-13.1pp |
| Annual return | -19.27% | -2.70%-16.6pp | 0.16%-19.4pp | 418.37%-437.6pp |
| Employer contribution / active EE | $1,429 | $3,129-54.3% | $2,414-40.8% | $4,742-69.9% |
| Participant deferral / active EE | $3,724 | $4,694-20.7% | $3,986-6.6% | $6,401-41.8% |
| Admin fee / account holder | $1,147 | $9,132-87.4% | $6,835-83.2% | $11,431-90.0% |