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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 | $19,479 | $27,943-30.3% | $58,507-66.7% | $75,177-74.1% |
| Participation rate | 0.0% | 38.8%-38.8pp | 50.9%-50.9pp | 67.2%-67.2pp |
| Annual return | 27.74% | 44.22%-16.5pp | 4252.32%-4224.6pp | 160.75%-133.0pp |
| Employer contribution / active EE | $399 | $670-40.5% | $1,053-62.2% | $2,671-85.1% |
| Participant deferral / active EE | $892 | $1,202-25.8% | $1,922-53.6% | $4,126-78.4% |
| Admin fee / account holder | $1,792 | $1,727+3.7% | $2,486-27.9% | $5,651-68.3% |