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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 | $36,820 | $61,787-40.4% | $97,197-62.1% | $80,925-54.5% |
| Participation rate | 39.2% | 63.5%-24.3pp | 72.7%-33.5pp | 67.7%-28.4pp |
| Annual return | 11.72% | -558.16%+569.9pp | 75.47%-63.7pp | 35.65%-23.9pp |
| Employer contribution / active EE | $917 | $1,836-50.1% | $2,723-66.3% | $2,756-66.7% |
| Participant deferral / active EE | $1,740 | $3,027-42.5% | $4,263-59.2% | $4,299-59.5% |
| Admin fee / account holder | $3,441 | $5,170-33.4% | $5,637-39.0% | $6,940-50.4% |