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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 | $181,810 | $100,868+80.2% | $90,414+101.1% | $158,931+14.4% |
| Participation rate | 61.5% | 75.0%-13.5pp | 72.7%-11.1pp | 82.0%-20.4pp |
| Annual return | 16.46% | 1724.58%-1708.1pp | 1293.19%-1276.7pp | 302.86%-286.4pp |
| Employer contribution / active EE | $1,681 | $3,689-54.4% | $3,262-48.5% | $4,761-64.7% |
| Participant deferral / active EE | $5,674 | $4,348+30.5% | $3,963+43.2% | $5,982-5.2% |
| Admin fee / account holder | $3,833 | $6,502-41.1% | $5,611-31.7% | $11,247-65.9% |