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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 | $145,370 | $154,228-5.7% | $145,4330% | $137,256+5.9% |
| Participation rate | 45.5% | 83.8%-38.3pp | 82.1%-36.7pp | 80.0%-34.5pp |
| Annual return | 15.62% | 74.59%-59.0pp | 66.58%-51.0pp | 220.34%-204.7pp |
| Employer contribution / active EE | $2,680 | $4,804-44.2% | $4,554-41.2% | $4,156-35.5% |
| Participant deferral / active EE | $6,530 | $8,216-20.5% | $7,897-17.3% | $6,407+1.9% |
| Admin fee / account holder | $560 | $14,344-96.1% | $13,129-95.7% | $12,270-95.4% |