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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 | $87,014 | $27,936+211.5% | $58,561+48.6% | $75,173+15.8% |
| Participation rate | 0.0% | 38.8%-38.8pp | 50.9%-50.9pp | 67.2%-67.2pp |
| Annual return | 28.23% | 44.21%-16.0pp | 4251.33%-4223.1pp | 160.72%-132.5pp |
| Employer contribution / active EE | $486 | $670-27.5% | $1,053-53.9% | $2,671-81.8% |
| Participant deferral / active EE | $1,947 | $1,202+62.0% | $1,923+1.3% | $4,126-52.8% |
| Admin fee / account holder | $508 | $1,727-70.6% | $2,520-79.8% | $5,651-91.0% |