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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 | $32,852 | $167,353-80.4% | $143,797-77.2% | $134,545-75.6% |
| Participation rate | 57.9% | 84.8%-26.9pp | 80.3%-22.4pp | 81.2%-23.3pp |
| Annual return | -17.56% | 0.48%-18.0pp | -0.04%-17.5pp | 418.37%-435.9pp |
| Employer contribution / active EE | $1,536 | $5,620-72.7% | $4,952-69.0% | $4,742-67.6% |
| Participant deferral / active EE | $3,340 | $6,447-48.2% | $5,638-40.8% | $6,401-47.8% |
| Admin fee / account holder | $551 | $18,096-97.0% | $14,679-96.2% | $11,431-95.2% |