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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 | $143,931 | $111,814+28.7% | $103,374+39.2% | $145,959-1.4% |
| Participation rate | 0.0% | 77.9%-77.9pp | 74.5%-74.5pp | 80.3%-80.3pp |
| Annual return | 15.55% | 24.77%-9.2pp | 24.89%-9.3pp | 561.95%-546.4pp |
| Employer contribution / active EE | $13,369 | $4,214+217.3% | $3,869+245.5% | $4,661+186.8% |
| Participant deferral / active EE | $22,732 | $5,618+304.6% | $5,058+349.5% | $6,689+239.9% |
| Admin fee / account holder | $5,258 | $9,754-46.1% | $8,394-37.4% | $13,398-60.8% |