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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 | $35,269 | $167,362-78.9% | $143,799-75.5% | $134,532-73.8% |
| Participation rate | 66.7% | 84.8%-18.2pp | 80.3%-13.6pp | 81.2%-14.6pp |
| Annual return | -13.72% | 0.47%-14.2pp | -0.04%-13.7pp | 418.27%-432.0pp |
| Employer contribution / active EE | $1,509 | $5,620-73.1% | $4,952-69.5% | $4,741-68.2% |
| Participant deferral / active EE | $4,288 | $6,447-33.5% | $5,638-23.9% | $6,401-33.0% |
| Admin fee / account holder | $2,075 | $18,094-88.5% | $14,677-85.9% | $11,429-81.8% |