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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 | $131,721 | $56,197+134.4% | $67,652+94.7% | $59,633+120.9% |
| Participation rate | 25.4% | 71.5%-46.1pp | 75.7%-50.3pp | 68.7%-43.3pp |
| Annual return | -1.38% | 18508.10%-18509.5pp | 6625.40%-6626.8pp | 2041.45%-2042.8pp |
| Employer contribution / active EE | $909 | $1,615-43.7% | $2,266-59.9% | $2,203-58.7% |
| Participant deferral / active EE | $2,178 | $2,844-23.4% | $3,560-38.8% | $3,192-31.8% |
| Admin fee / account holder | $752 | $3,958-81.0% | $4,821-84.4% | $4,297-82.5% |