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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 | $46,466 | $110,212-57.8% | $96,534-51.9% | $139,466-66.7% |
| Participation rate | 0.0% | 78.1%-78.1pp | 76.0%-76.0pp | 80.3%-80.3pp |
| Annual return | 35.47% | 26.42%+9.1pp | 25.88%+9.6pp | 373.66%-338.2pp |
| Employer contribution / active EE | $5,449 | $3,620+50.5% | $2,965+83.7% | $4,754+14.6% |
| Participant deferral / active EE | $8,972 | $5,547+61.7% | $4,851+84.9% | $6,712+33.7% |
| Admin fee / account holder | $1,034 | $11,599-91.1% | $8,253-87.5% | $11,409-90.9% |