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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 | $190,023 | $53,128+257.7% | $86,582+119.5% | $70,126+171.0% |
| Participation rate | 28.3% | 65.3%-37.0pp | 73.5%-45.3pp | 69.5%-41.3pp |
| Annual return | 20.62% | 27.66%-7.0pp | 965.08%-944.5pp | 73.15%-52.5pp |
| Employer contribution / active EE | $836 | $2,068-59.6% | $2,839-70.6% | $2,343-64.3% |
| Participant deferral / active EE | $1,734 | $2,695-35.7% | $3,609-51.9% | $3,332-48.0% |
| Admin fee / account holder | $11,202 | $3,584+212.6% | $4,904+128.4% | $4,645+141.1% |