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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 | $198,741 | $124,425+59.7% | $112,040+77.4% | $137,256+44.8% |
| Participation rate | 0.0% | 79.3%-79.3pp | 76.5%-76.5pp | 80.0%-80.0pp |
| Annual return | 14.50% | 24.72%-10.2pp | 24.52%-10.0pp | 220.34%-205.8pp |
| Employer contribution / active EE | $13,070 | $3,411+283.1% | $2,954+342.5% | $4,156+214.5% |
| Participant deferral / active EE | $7,199 | $5,718+25.9% | $5,098+41.2% | $6,407+12.4% |
| Admin fee / account holder | $11,085 | $15,207-27.1% | $12,098-8.4% | $12,270-9.7% |