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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 | $29,288 | $87,546-66.5% | $75,784-61.4% | $125,389-76.6% |
| Participation rate | 46.7% | 80.2%-33.5pp | 75.8%-29.2pp | 83.2%-36.5pp |
| Annual return | -0.58% | 13.49%-14.1pp | 9.68%-10.3pp | 282.24%-282.8pp |
| Employer contribution / active EE | $0 | $3,930-100.0% | $3,323-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $1,366 | $4,230-67.7% | $3,652-62.6% | $5,352-74.5% |
| Admin fee / account holder | $745 | $6,503-88.5% | $5,300-85.9% | $9,541-92.2% |