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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 | $165,804 | $84,236+96.8% | $170,435-2.7% | $70,126+136.4% |
| Participation rate | 68.8% | 70.8%-2.1pp | 83.6%-14.8pp | 69.5%-0.8pp |
| Annual return | 16.67% | 23.06%-6.4pp | 205.94%-189.3pp | 73.15%-56.5pp |
| Employer contribution / active EE | $9,156 | $3,387+170.3% | $5,432+68.6% | $2,343+290.9% |
| Participant deferral / active EE | $5,167 | $3,086+67.4% | $4,939+4.6% | $3,332+55.1% |
| Admin fee / account holder | $466 | $5,698-91.8% | $13,881-96.6% | $4,645-90.0% |