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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 | $31,509 | $107,353-70.6% | $92,903-66.1% | $152,885-79.4% |
| Participation rate | 0.0% | 79.8%-79.8pp | 76.0%-76.0pp | 82.5%-82.5pp |
| Annual return | 14.67% | 145.62%-130.9pp | 109.43%-94.8pp | 345.39%-330.7pp |
| Employer contribution / active EE | $19,188 | $4,222+354.5% | $3,653+425.2% | $4,763+302.8% |
| Participant deferral / active EE | $13,207 | $4,848+172.5% | $4,238+211.7% | $5,851+125.7% |
| Admin fee / account holder | $351 | $7,081-95.0% | $5,795-93.9% | $11,598-97.0% |