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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 | $157,829-10.6% | $136,867+3.0% | $198,609-29.0% |
| Participation rate | 0.0% | 77.2%-77.2pp | 74.5%-74.5pp | 82.4%-82.4pp |
| Annual return | 37.47% | 51.25%-13.8pp | 42.97%-5.5pp | 202.70%-165.2pp |
| Employer contribution / active EE | $11,953 | $3,923+204.7% | $3,547+237.0% | $5,055+136.4% |
| Participant deferral / active EE | $53,274 | $5,463+875.2% | $4,924+982.0% | $6,977+663.6% |
| Admin fee / account holder | $51,794 | $11,107+366.3% | $10,340+400.9% | $19,030+172.2% |