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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 | $26,858 | $29,733-9.7% | $56,025-52.1% | $80,959-66.8% |
| Participation rate | 0.0% | 41.7%-41.7pp | 52.5%-52.5pp | 67.7%-67.7pp |
| Annual return | 15.82% | 35.28%-19.5pp | 1712.69%-1696.9pp | 35.67%-19.9pp |
| Employer contribution / active EE | $343 | $672-49.0% | $1,042-67.1% | $2,757-87.6% |
| Participant deferral / active EE | $714 | $1,229-41.9% | $1,955-63.5% | $4,300-83.4% |
| Admin fee / account holder | $935 | $2,434-61.6% | $2,828-67.0% | $6,925-86.5% |