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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 | $29,671 | $75,959-60.9% | $154,114-80.7% | $64,181-53.8% |
| Participation rate | 47.3% | 70.4%-23.1pp | 83.0%-35.7pp | 69.6%-22.3pp |
| Annual return | -1.05% | 30.32%-31.4pp | 735.16%-736.2pp | 7.63%-8.7pp |
| Employer contribution / active EE | $1,026 | $3,350-69.4% | $5,298-80.6% | $2,381-56.9% |
| Participant deferral / active EE | $1,888 | $3,175-40.5% | $5,081-62.8% | $3,470-45.6% |
| Admin fee / account holder | $356 | $5,589-93.6% | $13,411-97.3% | $4,887-92.7% |