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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 | $85,773 | $75,962+12.9% | $154,108-44.3% | $64,173+33.7% |
| Participation rate | 44.2% | 70.4%-26.2pp | 83.0%-38.8pp | 69.6%-25.3pp |
| Annual return | -6.17% | 30.32%-36.5pp | 735.21%-741.4pp | 7.63%-13.8pp |
| Employer contribution / active EE | $1,465 | $3,350-56.3% | $5,298-72.3% | $2,381-38.5% |
| Participant deferral / active EE | $2,844 | $3,175-10.4% | $5,081-44.0% | $3,470-18.0% |
| Admin fee / account holder | $2,350 | $5,589-58.0% | $13,411-82.5% | $4,887-51.9% |