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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 | $15,079 | $34,932-56.8% | $56,441-73.3% | $74,546-79.8% |
| Participation rate | 39.6% | 32.9%+6.8pp | 52.5%-12.9pp | 67.2%-27.6pp |
| Annual return | 228.98% | 24.90%+204.1pp | 1704.21%-1475.2pp | 1366.03%-1137.1pp |
| Employer contribution / active EE | $454 | $608-25.4% | $1,039-56.3% | $2,624-82.7% |
| Participant deferral / active EE | $585 | $1,173-50.1% | $1,953-70.0% | $4,347-86.5% |
| Admin fee / account holder | $933 | $2,359-60.5% | $2,829-67.0% | $1,944-52.0% |