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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 | $156,398-7.1% | $147,318-1.3% | $138,895+4.7% |
| Participation rate | 45.5% | 83.8%-38.3pp | 82.1%-36.6pp | 79.9%-34.5pp |
| Annual return | 15.62% | 78.75%-63.1pp | 70.43%-54.8pp | 145.39%-129.8pp |
| Employer contribution / active EE | $2,680 | $4,853-44.8% | $4,593-41.6% | $4,194-36.1% |
| Participant deferral / active EE | $6,530 | $8,237-20.7% | $7,906-17.4% | $6,396+2.1% |
| Admin fee / account holder | $560 | $14,976-96.3% | $13,708-95.9% | $12,562-95.5% |