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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 | $226,872 | $183,627+23.6% | $155,602+45.8% | $145,978+55.4% |
| Participation rate | 0.0% | 82.7%-82.7pp | 78.2%-78.2pp | 80.3%-80.3pp |
| Annual return | 15.45% | 61.32%-45.9pp | 64.81%-49.4pp | 550.52%-535.1pp |
| Employer contribution / active EE | $4,713 | $5,316-11.3% | $4,675+0.8% | $4,662+1.1% |
| Participant deferral / active EE | $11,532 | $6,466+78.4% | $5,629+104.9% | $6,690+72.4% |
| Admin fee / account holder | $3,123 | $19,327-83.8% | $15,923-80.4% | $13,400-76.7% |