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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 | $37,720 | $138,102-72.7% | $125,381-69.9% | $134,532-72.0% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -17.15% | 750.73%-767.9pp | 572.31%-589.5pp | 418.27%-435.4pp |
| Employer contribution / active EE | $2,438 | $5,245-53.5% | $4,815-49.4% | $4,741-48.6% |
| Participant deferral / active EE | $5,921 | $7,801-24.1% | $7,448-20.5% | $6,401-7.5% |
| Admin fee / account holder | $1,700 | $11,568-85.3% | $10,007-83.0% | $11,429-85.1% |