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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 | $76,206 | $88,585-14.0% | $69,884+9.0% | $134,532-43.4% |
| Participation rate | 58.3% | 74.9%-16.6pp | 70.5%-12.1pp | 81.2%-22.9pp |
| Annual return | -7.64% | 442.80%-450.4pp | 190.81%-198.5pp | 418.27%-425.9pp |
| Employer contribution / active EE | $713 | $3,235-77.9% | $2,560-72.1% | $4,741-85.0% |
| Participant deferral / active EE | $866 | $4,770-81.8% | $3,848-77.5% | $6,401-86.5% |
| Admin fee / account holder | $988 | $10,441-90.5% | $6,266-84.2% | $11,429-91.4% |