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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 | $108,365 | $167,362-35.3% | $143,799-24.6% | $134,532-19.5% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -19.35% | 0.47%-19.8pp | -0.04%-19.3pp | 418.27%-437.6pp |
| Employer contribution / active EE | $9,340 | $5,620+66.2% | $4,952+88.6% | $4,741+97.0% |
| Participant deferral / active EE | $7,264 | $6,447+12.7% | $5,638+28.8% | $6,401+13.5% |
| Admin fee / account holder | $1,794 | $18,094-90.1% | $14,677-87.8% | $11,429-84.3% |