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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 | $16,169 | $30,421-46.8% | $56,077-71.2% | $74,429-78.3% |
| Participation rate | 0.0% | 32.9%-32.9pp | 52.5%-52.5pp | 67.2%-67.2pp |
| Annual return | 13.33% | 24.94%-11.6pp | 1709.28%-1695.9pp | 1368.38%-1355.0pp |
| Employer contribution / active EE | $451 | $610-26.1% | $1,040-56.7% | $2,625-82.8% |
| Participant deferral / active EE | $883 | $1,175-24.8% | $1,954-54.8% | $4,348-79.7% |
| Admin fee / account holder | $629 | $2,363-73.4% | $2,825-77.7% | $1,944-67.7% |