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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 | $129,737+48.4% | $119,126+61.6% | $154,746+24.4% |
| Participation rate | 0.0% | 78.9%-78.9pp | 75.8%-75.8pp | 80.7%-80.7pp |
| Annual return | 48.68% | 379.08%-330.4pp | 282.11%-233.4pp | 172.34%-123.7pp |
| Employer contribution / active EE | $3,457 | $4,375-21.0% | $4,034-14.3% | $4,379-21.1% |
| Participant deferral / active EE | $13,323 | $5,842+128.1% | $5,318+150.5% | $6,730+98.0% |
| Admin fee / account holder | $432 | $11,961-96.4% | $10,693-96.0% | $14,365-97.0% |