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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 | $77,876 | $97,732-20.3% | $83,831-7.1% | $135,380-42.5% |
| Participation rate | 62.5% | 80.0%-17.5pp | 76.1%-13.6pp | 82.6%-20.1pp |
| Annual return | -7.40% | 1287.56%-1295.0pp | 850.99%-858.4pp | 519.81%-527.2pp |
| Employer contribution / active EE | $2,069 | $4,222-51.0% | $3,631-43.0% | $4,779-56.7% |
| Participant deferral / active EE | $3,224 | $4,683-31.1% | $4,082-21.0% | $5,609-42.5% |
| Admin fee / account holder | $394 | $6,675-94.1% | $5,479-92.8% | $10,828-96.4% |