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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 | $76,806 | $49,177+56.2% | $79,466-3.3% | $64,173+19.7% |
| Participation rate | 35.3% | 65.0%-29.7pp | 73.3%-38.1pp | 69.6%-34.3pp |
| Annual return | -0.57% | -1.16%+0.6pp | 718.28%-718.8pp | 7.63%-8.2pp |
| Employer contribution / active EE | $888 | $2,076-57.2% | $2,800-68.3% | $2,381-62.7% |
| Participant deferral / active EE | $2,431 | $2,821-13.8% | $3,704-34.4% | $3,470-29.9% |
| Admin fee / account holder | $1,043 | $3,839-72.8% | $5,104-79.6% | $4,887-78.7% |