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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 | $4,546 | $81,763-94.4% | $58,561-92.2% | $139,466-96.7% |
| Participation rate | 0.0% | 61.3%-61.3pp | 50.9%-50.9pp | 80.3%-80.3pp |
| Annual return | 18.02% | 7427.77%-7409.8pp | 4251.33%-4233.3pp | 373.66%-355.6pp |
| Employer contribution / active EE | $1,194 | $1,398-14.6% | $1,053+13.3% | $4,754-74.9% |
| Participant deferral / active EE | $1,926 | $2,555-24.6% | $1,923+0.2% | $6,712-71.3% |
| Admin fee / account holder | $511 | $3,273-84.4% | $2,520-79.7% | $11,409-95.5% |