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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 | $205,664 | $167,353+22.9% | $143,797+43.0% | $134,545+52.9% |
| Participation rate | 0.0% | 84.8%-84.8pp | 80.3%-80.3pp | 81.2%-81.2pp |
| Annual return | -14.66% | 0.48%-15.1pp | -0.04%-14.6pp | 418.37%-433.0pp |
| Employer contribution / active EE | $4,930 | $5,620-12.3% | $4,952-0.5% | $4,742+4.0% |
| Participant deferral / active EE | $4,145 | $6,447-35.7% | $5,638-26.5% | $6,401-35.3% |
| Admin fee / account holder | $18,543 | $18,096+2.5% | $14,679+26.3% | $11,431+62.2% |