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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 | $40,817 | $110,551-63.1% | $80,741-49.4% | $167,518-75.6% |
| Participation rate | 0.0% | 64.0%-64.0pp | 54.2%-54.2pp | 82.1%-82.1pp |
| Annual return | 25.33% | 120.57%-95.2pp | 87.30%-62.0pp | 478.71%-453.4pp |
| Employer contribution / active EE | $221 | $1,543-85.7% | $1,160-80.9% | $4,838-95.4% |
| Participant deferral / active EE | $1,948 | $2,870-32.1% | $2,145-9.2% | $6,342-69.3% |
| Admin fee / account holder | $4,159 | $4,547-8.5% | $3,380+23.0% | $12,312-66.2% |