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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 | $119,618 | $211,239-43.4% | $178,528-33.0% | $145,877-18.0% |
| Participation rate | 0.0% | 80.8%-80.8pp | 77.1%-77.1pp | 80.3%-80.3pp |
| Annual return | 10.70% | 30.22%-19.5pp | 27.11%-16.4pp | 551.28%-540.6pp |
| Employer contribution / active EE | $2,621 | $4,570-42.6% | $3,950-33.7% | $4,663-43.8% |
| Participant deferral / active EE | $36,430 | $6,963+423.2% | $6,278+480.2% | $6,691+444.5% |
| Admin fee / account holder | $33,829 | $12,095+179.7% | $10,419+224.7% | $13,402+152.4% |