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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 | $71,593 | $133,983-46.6% | $112,244-36.2% | $134,493-46.8% |
| Participation rate | 33.3% | 78.6%-45.2pp | 75.1%-41.7pp | 81.2%-47.9pp |
| Annual return | -16.28% | 47.13%-63.4pp | 27.46%-43.7pp | 418.01%-434.3pp |
| Employer contribution / active EE | $920 | $4,039-77.2% | $3,635-74.7% | $4,740-80.6% |
| Participant deferral / active EE | $2,551 | $5,291-51.8% | $4,728-46.1% | $6,400-60.1% |
| Admin fee / account holder | $2,527 | $7,490-66.3% | $6,411-60.6% | $11,425-77.9% |