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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 | $232,538 | $93,117+149.7% | $77,096+201.6% | $134,532+72.8% |
| Participation rate | 47.1% | 74.5%-27.4pp | 67.9%-20.9pp | 81.2%-34.2pp |
| Annual return | -15.97% | 62.67%-78.6pp | 42.35%-58.3pp | 418.27%-434.2pp |
| Employer contribution / active EE | $1,608 | $3,420-53.0% | $2,814-42.8% | $4,741-66.1% |
| Participant deferral / active EE | $4,625 | $5,241-11.8% | $4,429+4.4% | $6,401-27.7% |
| Admin fee / account holder | $1,472 | $6,948-78.8% | $5,428-72.9% | $11,429-87.1% |