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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 | $103,754 | $96,956+7.0% | $69,779+48.7% | $273,972-62.1% |
| Participation rate | 0.0% | 77.1%-77.1pp | 71.8%-71.8pp | 83.0%-83.0pp |
| Annual return | 23.92% | 12.93%+11.0pp | 12.99%+10.9pp | 41.46%-17.5pp |
| Employer contribution / active EE | $17,357 | $3,316+423.5% | $2,338+642.3% | $4,869+256.5% |
| Participant deferral / active EE | $21,240 | $3,744+467.3% | $2,931+624.7% | $5,287+301.7% |
| Admin fee / account holder | $474 | $7,934-94.0% | $4,381-89.2% | $10,133-95.3% |