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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 | $50,239 | $91,537-45.1% | $130,045-61.4% | $75,173-33.2% |
| Participation rate | 68.6% | 71.5%-2.9pp | 78.5%-9.9pp | 67.2%+1.4pp |
| Annual return | 19.91% | -631.55%+651.5pp | -137.30%+157.2pp | 160.72%-140.8pp |
| Employer contribution / active EE | $1,863 | $2,845-34.5% | $4,321-56.9% | $2,671-30.3% |
| Participant deferral / active EE | $4,161 | $4,343-4.2% | $5,820-28.5% | $4,126+0.8% |
| Admin fee / account holder | $338 | $6,780-95.0% | $10,600-96.8% | $5,651-94.0% |