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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 | $141,034 | $70,366+100.4% | $66,674+111.5% | $138,895+1.5% |
| Participation rate | 0.0% | 76.2%-76.2pp | 73.7%-73.7pp | 79.9%-79.9pp |
| Annual return | 37.47% | 386.41%-348.9pp | 321.24%-283.8pp | 145.39%-107.9pp |
| Employer contribution / active EE | $11,953 | $2,765+332.3% | $2,620+356.2% | $4,194+185.0% |
| Participant deferral / active EE | $53,274 | $4,374+1117.9% | $4,084+1204.4% | $6,396+732.9% |
| Admin fee / account holder | $51,794 | $5,262+884.2% | $5,098+915.9% | $12,562+312.3% |