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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 | $32,496 | $133,981-75.7% | $112,249-71.1% | $134,532-75.8% |
| Participation rate | 66.7% | 78.6%-11.9pp | 75.1%-8.4pp | 81.2%-14.6pp |
| Annual return | -20.36% | 47.16%-67.5pp | 27.48%-47.8pp | 418.27%-438.6pp |
| Employer contribution / active EE | $1,334 | $4,040-67.0% | $3,636-63.3% | $4,741-71.9% |
| Participant deferral / active EE | $1,847 | $5,292-65.1% | $4,729-60.9% | $6,401-71.1% |
| Admin fee / account holder | $1,263 | $7,492-83.1% | $6,412-80.3% | $11,429-88.9% |