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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 | $27,050 | $53,774-49.7% | $134,162-79.8% | $79,856-66.1% |
| Participation rate | 62.5% | 58.8%+3.7pp | 72.2%-9.7pp | 69.6%-7.1pp |
| Annual return | 12.51% | 19.01%-6.5pp | 36.35%-23.8pp | 31.71%-19.2pp |
| Employer contribution / active EE | $580 | $1,322-56.1% | $3,705-84.4% | $2,471-76.5% |
| Participant deferral / active EE | $2,563 | $2,420+5.9% | $3,500-26.8% | $3,741-31.5% |
| Admin fee / account holder | $3,953 | $3,985-0.8% | $6,685-40.9% | $5,306-25.5% |