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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 | $20,949 | $41,150-49.1% | $80,627-74.0% | $71,511-70.7% |
| Participation rate | 10.0% | 50.3%-40.3pp | 67.0%-57.0pp | 67.9%-57.9pp |
| Annual return | 221.72% | 38.48%+183.2pp | 936.76%-715.0pp | 28.86%+192.9pp |
| Employer contribution / active EE | $405 | $1,515-73.3% | $2,723-85.1% | $2,589-84.4% |
| Participant deferral / active EE | $791 | $2,701-70.7% | $4,443-82.2% | $4,291-81.6% |
| Admin fee / account holder | $19,864 | $1,841+978.8% | $5,381+269.2% | $1,588+1150.5% |