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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 | $192,475 | $111,535+72.6% | $105,223+82.9% | $137,256+40.2% |
| Participation rate | 0.0% | 78.1%-78.1pp | 75.0%-75.0pp | 80.0%-80.0pp |
| Annual return | 48.68% | 237.85%-189.2pp | 180.65%-132.0pp | 220.34%-171.7pp |
| Employer contribution / active EE | $3,457 | $3,939-12.3% | $3,689-6.3% | $4,156-16.8% |
| Participant deferral / active EE | $13,323 | $5,500+142.2% | $5,072+162.7% | $6,407+107.9% |
| Admin fee / account holder | $432 | $9,721-95.6% | $8,859-95.1% | $12,270-96.5% |