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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 | $17,999 | $27,639-34.9% | $61,501-70.7% | $68,490-73.7% |
| Participation rate | 48.5% | 39.5%+9.0pp | 52.6%-4.1pp | 67.9%-19.4pp |
| Annual return | -8.26% | -13.19%+4.9pp | 339.04%-347.3pp | -7.85%-0.4pp |
| Employer contribution / active EE | $1,354 | $696+94.5% | $1,160+16.8% | $2,597-47.9% |
| Participant deferral / active EE | $1,615 | $1,264+27.8% | $2,125-24.0% | $4,028-59.9% |
| Admin fee / account holder | $498 | $2,012-75.3% | $2,132-76.6% | $5,403-90.8% |