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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 | $54,499 | $95,975-43.2% | $74,552-26.9% | $135,382-59.7% |
| Participation rate | 45.5% | 75.7%-30.2pp | 69.1%-23.7pp | 82.6%-37.2pp |
| Annual return | -4.47% | 56.96%-61.4pp | 32.53%-37.0pp | 519.77%-524.2pp |
| Employer contribution / active EE | $2,788 | $2,716+2.6% | $1,961+42.2% | $4,779-41.7% |
| Participant deferral / active EE | $5,693 | $3,844+48.1% | $3,108+83.2% | $5,609+1.5% |
| Admin fee / account holder | $1,460 | $6,522-77.6% | $5,060-71.1% | $10,829-86.5% |