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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 | $22,319 | $96,419-76.9% | $80,648-72.3% | $139,487-84.0% |
| Participation rate | 25.0% | 73.6%-48.6pp | 67.0%-42.0pp | 80.3%-55.3pp |
| Annual return | 16.20% | 1352.86%-1336.7pp | 937.21%-921.0pp | 373.84%-357.6pp |
| Employer contribution / active EE | $0 | $3,261-100.0% | $2,724-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $954 | $5,225-81.7% | $4,443-78.5% | $6,713-85.8% |
| Admin fee / account holder | $707 | $6,605-89.3% | $5,382-86.9% | $11,407-93.8% |