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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 | $114,013+23.7% | $103,693+36.0% | $155,188-9.1% |
| Participation rate | 0.0% | 75.2%-75.2pp | 72.6%-72.6pp | 80.8%-80.8pp |
| Annual return | 37.47% | 49.31%-11.8pp | 47.61%-10.1pp | 148.84%-111.4pp |
| Employer contribution / active EE | $11,953 | $3,131+281.7% | $2,920+309.3% | $4,248+181.4% |
| Participant deferral / active EE | $53,274 | $4,970+972.0% | $4,579+1063.4% | $6,531+715.7% |
| Admin fee / account holder | $51,794 | $8,407+516.1% | $7,858+559.1% | $14,480+257.7% |