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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 | $138,142 | $82,674+67.1% | $125,381+10.2% | $68,486+101.7% |
| Participation rate | 69.0% | 75.1%-6.1pp | 82.4%-13.4pp | 67.9%+1.1pp |
| Annual return | -17.34% | -5.97%-11.4pp | 572.31%-589.6pp | -7.85%-9.5pp |
| Employer contribution / active EE | $3,809 | $3,382+12.6% | $4,815-20.9% | $2,597+46.7% |
| Participant deferral / active EE | $5,181 | $6,111-15.2% | $7,448-30.4% | $4,028+28.6% |
| Admin fee / account holder | $3,542 | $6,277-43.6% | $10,007-64.6% | $5,404-34.5% |