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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 | $12,791 | $100,203-87.2% | $85,240-85.0% | $145,897-91.2% |
| Participation rate | 0.0% | 74.1%-74.1pp | 67.5%-67.5pp | 80.3%-80.3pp |
| Annual return | 9.96% | 84.28%-74.3pp | 66.75%-56.8pp | 552.29%-542.3pp |
| Employer contribution / active EE | $1,955 | $3,242-39.7% | $2,735-28.5% | $4,663-58.1% |
| Participant deferral / active EE | $2,443 | $5,299-53.9% | $4,527-46.0% | $6,689-63.5% |
| Admin fee / account holder | $1,457 | $7,265-79.9% | $6,165-76.4% | $13,390-89.1% |