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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 | $25,267 | $27,632-8.6% | $61,399-58.8% | $68,495-63.1% |
| Participation rate | 18.5% | 39.5%-21.0pp | 52.6%-34.0pp | 67.9%-49.4pp |
| Annual return | -12.80% | -13.24%+0.4pp | 338.81%-351.6pp | -7.84%-5.0pp |
| Employer contribution / active EE | $535 | $696-23.1% | $1,159-53.9% | $2,596-79.4% |
| Participant deferral / active EE | $2,018 | $1,264+59.7% | $2,124-5.0% | $4,028-49.9% |
| Admin fee / account holder | $414 | $2,010-79.4% | $2,131-80.6% | $5,403-92.3% |