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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 | $47,862 | $133,998-64.3% | $112,263-57.4% | $134,545-64.4% |
| Participation rate | 37.5% | 78.6%-41.1pp | 75.1%-37.6pp | 81.2%-43.7pp |
| Annual return | -17.27% | 47.17%-64.4pp | 27.49%-44.8pp | 418.37%-435.6pp |
| Employer contribution / active EE | $0 | $4,040-100.0% | $3,636-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $4,870 | $5,292-8.0% | $4,729+3.0% | $6,401-23.9% |
| Admin fee / account holder | $3,051 | $7,493-59.3% | $6,410-52.4% | $11,431-73.3% |