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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 | $60,190 | $88,815-32.2% | $81,882-26.5% | $145,897-58.7% |
| Participation rate | 0.0% | 75.1%-75.1pp | 72.4%-72.4pp | 80.3%-80.3pp |
| Annual return | 11.27% | 1033.75%-1022.5pp | 779.47%-768.2pp | 552.29%-541.0pp |
| Employer contribution / active EE | $3,255 | $3,086+5.5% | $2,916+11.6% | $4,663-30.2% |
| Participant deferral / active EE | $8,767 | $4,647+88.6% | $4,323+102.8% | $6,689+31.1% |
| Admin fee / account holder | $1,394 | $8,434-83.5% | $7,360-81.1% | $13,390-89.6% |