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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 | $100,073-87.2% | $85,126-85.0% | $145,877-91.2% |
| Participation rate | 0.0% | 74.1%-74.1pp | 67.5%-67.5pp | 80.3%-80.3pp |
| Annual return | 9.96% | 84.11%-74.1pp | 66.63%-56.7pp | 551.28%-541.3pp |
| Employer contribution / active EE | $1,955 | $3,236-39.6% | $2,731-28.4% | $4,663-58.1% |
| Participant deferral / active EE | $2,443 | $5,294-53.8% | $4,523-46.0% | $6,691-63.5% |
| Admin fee / account holder | $1,457 | $7,261-79.9% | $6,160-76.4% | $13,402-89.1% |