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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 | $33,564 | $97,729-65.7% | $83,830-60.0% | $135,379-75.2% |
| Participation rate | 33.3% | 80.0%-46.6pp | 76.1%-42.8pp | 82.6%-49.3pp |
| Annual return | -7.16% | 1287.52%-1294.7pp | 850.97%-858.1pp | 519.79%-526.9pp |
| Employer contribution / active EE | $1,573 | $4,222-62.7% | $3,631-56.7% | $4,779-67.1% |
| Participant deferral / active EE | $1,663 | $4,683-64.5% | $4,082-59.3% | $5,609-70.4% |
| Admin fee / account holder | $471 | $6,674-92.9% | $5,479-91.4% | $10,828-95.6% |