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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 | $166,755 | $202,440-17.6% | $169,390-1.6% | $139,466+19.6% |
| Participation rate | 50.0% | 81.1%-31.1pp | 77.2%-27.2pp | 80.3%-30.3pp |
| Annual return | 11.93% | 532.36%-520.4pp | 406.07%-394.1pp | 373.66%-361.7pp |
| Employer contribution / active EE | $20,250 | $4,693+331.5% | $4,013+404.7% | $4,754+326.0% |
| Participant deferral / active EE | $13,125 | $6,940+89.1% | $6,222+110.9% | $6,712+95.5% |
| Admin fee / account holder | $123,940 | $10,722+1055.9% | $9,015+1274.8% | $11,409+986.4% |