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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 | $110,410+30.4% | $102,437+40.5% | $145,897-1.3% |
| Participation rate | 0.0% | 77.9%-77.9pp | 74.5%-74.5pp | 80.3%-80.3pp |
| Annual return | 15.55% | 24.85%-9.3pp | 24.95%-9.4pp | 552.29%-536.7pp |
| Employer contribution / active EE | $13,369 | $4,217+217.0% | $3,871+245.4% | $4,663+186.7% |
| Participant deferral / active EE | $22,732 | $5,622+304.4% | $5,060+349.2% | $6,689+239.8% |
| Admin fee / account holder | $5,258 | $9,745-46.0% | $8,388-37.3% | $13,390-60.7% |