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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 | $36,734 | $124,330-70.5% | $109,173-66.4% | $167,536-78.1% |
| Participation rate | 0.0% | 79.5%-79.5pp | 75.9%-75.9pp | 82.1%-82.1pp |
| Annual return | 12.70% | 26.04%-13.3pp | 25.75%-13.1pp | 478.82%-466.1pp |
| Employer contribution / active EE | $4,441 | $4,209+5.5% | $3,723+19.3% | $4,839-8.2% |
| Participant deferral / active EE | $7,170 | $5,256+36.4% | $4,654+54.1% | $6,342+13.0% |
| Admin fee / account holder | $11,354 | $7,974+42.4% | $6,755+68.1% | $12,315-7.8% |