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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 | $14,062 | $61,789-77.2% | $97,167-85.5% | $80,874-82.6% |
| Participation rate | 64.9% | 63.5%+1.4pp | 72.7%-7.8pp | 67.6%-2.8pp |
| Annual return | 17.01% | -557.90%+574.9pp | 75.27%-58.3pp | 35.62%-18.6pp |
| Employer contribution / active EE | $1,642 | $1,837-10.6% | $2,729-39.8% | $2,756-40.4% |
| Participant deferral / active EE | $2,252 | $3,028-25.6% | $4,264-47.2% | $4,297-47.6% |
| Admin fee / account holder | $307 | $5,168-94.1% | $5,650-94.6% | $6,935-95.6% |