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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 | $25,984 | $93,117-72.1% | $77,096-66.3% | $134,532-80.7% |
| Participation rate | 23.1% | 74.5%-51.4pp | 67.9%-44.8pp | 81.2%-58.2pp |
| Annual return | -19.68% | 62.67%-82.3pp | 42.35%-62.0pp | 418.27%-437.9pp |
| Employer contribution / active EE | $806 | $3,420-76.4% | $2,814-71.4% | $4,741-83.0% |
| Participant deferral / active EE | $2,507 | $5,241-52.2% | $4,429-43.4% | $6,401-60.8% |
| Admin fee / account holder | $788 | $6,948-88.7% | $5,428-85.5% | $11,429-93.1% |