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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 | $211,224-43.4% | $178,505-33.0% | $145,897-18.0% |
| Participation rate | 0.0% | 80.8%-80.8pp | 77.1%-77.1pp | 80.3%-80.3pp |
| Annual return | 10.70% | 30.28%-19.6pp | 27.16%-16.5pp | 552.29%-541.6pp |
| Employer contribution / active EE | $2,621 | $4,577-42.7% | $3,955-33.7% | $4,663-43.8% |
| Participant deferral / active EE | $36,430 | $6,966+423.0% | $6,280+480.1% | $6,689+444.6% |
| Admin fee / account holder | $33,829 | $12,109+179.4% | $10,428+224.4% | $13,390+152.6% |