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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 | $84,867 | $142,361-40.4% | $119,608-29.0% | $134,509-36.9% |
| Participation rate | 54.5% | 82.8%-28.3pp | 79.3%-24.7pp | 81.2%-26.7pp |
| Annual return | 4.63% | -12.46%+17.1pp | -14.98%+19.6pp | 418.13%-413.5pp |
| Employer contribution / active EE | $2,010 | $5,224-61.5% | $4,232-52.5% | $4,741-57.6% |
| Participant deferral / active EE | $6,251 | $6,468-3.4% | $5,601+11.6% | $6,400-2.3% |
| Admin fee / account holder | $5,177 | $13,588-61.9% | $10,326-49.9% | $11,427-54.7% |