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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 | $16,152 | $27,936-42.2% | $58,561-72.4% | $75,173-78.5% |
| Participation rate | 0.0% | 38.8%-38.8pp | 50.9%-50.9pp | 67.2%-67.2pp |
| Annual return | 18.59% | 44.21%-25.6pp | 4251.33%-4232.7pp | 160.72%-142.1pp |
| Employer contribution / active EE | $306 | $670-54.2% | $1,053-70.9% | $2,671-88.5% |
| Participant deferral / active EE | $763 | $1,202-36.5% | $1,923-60.3% | $4,126-81.5% |
| Admin fee / account holder | $682 | $1,727-60.5% | $2,520-73.0% | $5,651-87.9% |