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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 | $52,768 | $168,635-68.7% | $147,617-64.3% | $125,389-57.9% |
| Participation rate | 0.0% | 88.8%-88.8pp | 84.6%-84.6pp | 83.2%-83.2pp |
| Annual return | -3.15% | 77.65%-80.8pp | 61.98%-65.1pp | 282.24%-285.4pp |
| Employer contribution / active EE | $1,692 | $6,252-72.9% | $5,564-69.6% | $4,866-65.2% |
| Participant deferral / active EE | $3,433 | $5,507-37.7% | $4,895-29.9% | $5,352-35.8% |
| Admin fee / account holder | $7,725 | $13,580-43.1% | $11,612-33.5% | $9,541-19.0% |