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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 | $191,655 | $53,128+260.7% | $86,581+121.4% | $70,124+173.3% |
| Participation rate | 64.0% | 65.3%-1.3pp | 73.5%-9.5pp | 69.5%-5.5pp |
| Annual return | 16.77% | 27.66%-10.9pp | 965.06%-948.3pp | 73.14%-56.4pp |
| Employer contribution / active EE | $1,837 | $2,068-11.2% | $2,840-35.3% | $2,342-21.6% |
| Participant deferral / active EE | $4,581 | $2,695+70.0% | $3,609+26.9% | $3,332+37.5% |
| Admin fee / account holder | $7,989 | $3,584+122.9% | $4,904+62.9% | $4,645+72.0% |