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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 | $30,313 | $29,736+1.9% | $56,033-45.9% | $80,935-62.5% |
| Participation rate | 40.0% | 41.7%-1.7pp | 52.5%-12.5pp | 67.7%-27.7pp |
| Annual return | 87.14% | 35.28%+51.9pp | 1711.38%-1624.2pp | 35.66%+51.5pp |
| Employer contribution / active EE | $231 | $671-65.6% | $1,041-77.8% | $2,757-91.6% |
| Participant deferral / active EE | $555 | $1,228-54.8% | $1,954-71.6% | $4,299-87.1% |
| Admin fee / account holder | $7,766 | $2,434+219.1% | $2,827+174.7% | $6,924+12.2% |