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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 | $33,538 | $61,787-45.7% | $97,197-65.5% | $80,925-58.6% |
| Participation rate | 27.0% | 63.5%-36.5pp | 72.7%-45.7pp | 67.7%-40.7pp |
| Annual return | 40.65% | -558.16%+598.8pp | 75.47%-34.8pp | 35.65%+5.0pp |
| Employer contribution / active EE | $971 | $1,836-47.1% | $2,723-64.3% | $2,756-64.8% |
| Participant deferral / active EE | $1,410 | $3,027-53.4% | $4,263-66.9% | $4,299-67.2% |
| Admin fee / account holder | $10,340 | $5,170+100.0% | $5,637+83.4% | $6,940+49.0% |