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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 | $38,255 | $133,998-71.5% | $112,263-65.9% | $134,545-71.6% |
| Participation rate | 66.7% | 78.6%-11.9pp | 75.1%-8.4pp | 81.2%-14.6pp |
| Annual return | -17.89% | 47.17%-65.1pp | 27.49%-45.4pp | 418.37%-436.3pp |
| Employer contribution / active EE | $4,697 | $4,040+16.2% | $3,636+29.2% | $4,742-0.9% |
| Participant deferral / active EE | $3,617 | $5,292-31.7% | $4,729-23.5% | $6,401-43.5% |
| Admin fee / account holder | $672 | $7,493-91.0% | $6,410-89.5% | $11,431-94.1% |