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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 | $182,708 | $210,343-13.1% | $153,476+19.0% | $145,978+25.2% |
| Participation rate | 0.0% | 82.1%-82.1pp | 77.1%-77.1pp | 80.3%-80.3pp |
| Annual return | 9.81% | 13.38%-3.6pp | 15.66%-5.9pp | 550.52%-540.7pp |
| Employer contribution / active EE | $9,454 | $6,047+56.3% | $5,038+87.7% | $4,662+102.8% |
| Participant deferral / active EE | $15,236 | $7,977+91.0% | $6,759+125.4% | $6,690+127.8% |
| Admin fee / account holder | $747 | $19,424-96.2% | $12,729-94.1% | $13,400-94.4% |