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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 | $231,108 | $76,551+201.9% | $123,894+86.5% | $62,881+267.5% |
| Participation rate | 0.0% | 73.0%-73.0pp | 81.4%-81.4pp | 69.3%-69.3pp |
| Annual return | 7.60% | 18.68%-11.1pp | 47.52%-39.9pp | 20.14%-12.5pp |
| Employer contribution / active EE | $4,451 | $2,882+54.4% | $4,617-3.6% | $2,281+95.1% |
| Participant deferral / active EE | $6,254 | $4,840+29.2% | $5,984+4.5% | $3,203+95.3% |
| Admin fee / account holder | $50,201 | $4,826+940.3% | $8,357+500.7% | $4,296+1068.6% |