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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 | $18,565 | $75,962-75.6% | $154,111-88.0% | $64,173-71.1% |
| Participation rate | 61.8% | 70.4%-8.7pp | 83.0%-21.3pp | 69.6%-7.8pp |
| Annual return | -6.90% | 30.32%-37.2pp | 735.18%-742.1pp | 7.63%-14.5pp |
| Employer contribution / active EE | $1,140 | $3,350-66.0% | $5,298-78.5% | $2,381-52.1% |
| Participant deferral / active EE | $1,707 | $3,175-46.2% | $5,081-66.4% | $3,470-50.8% |
| Admin fee / account holder | $1,471 | $5,589-73.7% | $13,411-89.0% | $4,887-69.9% |