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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 | $22,656 | $30,732-26.3% | $59,496-61.9% | $59,633-62.0% |
| Participation rate | 38.5% | 43.2%-4.7pp | 54.6%-16.1pp | 68.7%-30.2pp |
| Annual return | -1.25% | 4.47%-5.7pp | 182.05%-183.3pp | 2041.45%-2042.7pp |
| Employer contribution / active EE | $609 | $631-3.5% | $1,153-47.2% | $2,203-72.4% |
| Participant deferral / active EE | $975 | $1,183-17.6% | $1,829-46.7% | $3,192-69.5% |
| Admin fee / account holder | $389 | $2,136-81.8% | $2,232-82.6% | $4,297-90.9% |