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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 | $50,168 | $167,352-70.0% | $143,788-65.1% | $134,509-62.7% |
| Participation rate | 62.5% | 84.8%-22.3pp | 80.3%-17.8pp | 81.2%-18.7pp |
| Annual return | -14.61% | 0.47%-15.1pp | -0.03%-14.6pp | 418.13%-432.7pp |
| Employer contribution / active EE | $2,145 | $5,620-61.8% | $4,952-56.7% | $4,741-54.8% |
| Participant deferral / active EE | $7,725 | $6,447+19.8% | $5,638+37.0% | $6,400+20.7% |
| Admin fee / account holder | $3,910 | $18,091-78.4% | $14,675-73.4% | $11,427-65.8% |