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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 | $107,234 | $157,296-31.8% | $141,191-24.1% | $152,897-29.9% |
| Participation rate | 0.0% | 84.8%-84.8pp | 82.5%-82.5pp | 82.5%-82.5pp |
| Annual return | 21.91% | 64.34%-42.4pp | 71.41%-49.5pp | 345.43%-323.5pp |
| Employer contribution / active EE | $1,478 | $5,262-71.9% | $4,736-68.8% | $4,764-69.0% |
| Participant deferral / active EE | $7,696 | $7,111+8.2% | $6,710+14.7% | $5,851+31.5% |
| Admin fee / account holder | $16,443 | $12,125+35.6% | $10,264+60.2% | $11,599+41.8% |