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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 | $72,677 | $121,677-40.3% | $104,625-30.5% | $158,966-54.3% |
| Participation rate | 0.0% | 77.5%-77.5pp | 74.1%-74.1pp | 82.0%-82.0pp |
| Annual return | 12.94% | 465.58%-452.6pp | 340.60%-327.7pp | 302.95%-290.0pp |
| Employer contribution / active EE | $397 | $3,165-87.4% | $2,681-85.2% | $4,762-91.7% |
| Participant deferral / active EE | $2,448 | $4,175-41.4% | $3,738-34.5% | $5,983-59.1% |
| Admin fee / account holder | $3,172 | $7,777-59.2% | $6,465-50.9% | $11,250-71.8% |