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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 | $178,775 | $183,592-2.6% | $155,574+14.9% | $145,877+22.6% |
| Participation rate | 0.0% | 82.7%-82.7pp | 78.2%-78.2pp | 80.3%-80.3pp |
| Annual return | 40.41% | 61.37%-21.0pp | 64.87%-24.5pp | 551.28%-510.9pp |
| Employer contribution / active EE | $30,603 | $5,317+475.6% | $4,676+554.5% | $4,663+556.3% |
| Participant deferral / active EE | $23,780 | $6,466+267.8% | $5,629+322.4% | $6,691+255.4% |
| Admin fee / account holder | $2,081 | $19,316-89.2% | $15,914-86.9% | $13,402-84.5% |