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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 | $67,401 | $77,817-13.4% | $123,553-45.4% | $64,173+5.0% |
| Participation rate | 61.4% | 74.7%-13.3pp | 82.3%-20.9pp | 69.6%-8.2pp |
| Annual return | -5.99% | 12.49%-18.5pp | 119.21%-125.2pp | 7.63%-13.6pp |
| Employer contribution / active EE | $1,713 | $3,014-43.2% | $4,628-63.0% | $2,381-28.1% |
| Participant deferral / active EE | $7,030 | $5,240+34.2% | $6,426+9.4% | $3,470+102.6% |
| Admin fee / account holder | $1,268 | $5,519-77.0% | $9,284-86.3% | $4,887-74.1% |