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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $53,671 | $46,877+14.5% | $122,354-56.1% | $70,126-23.5% |
| Participation rate | 69.1% | 58.2%+10.9pp | 71.6%-2.5pp | 69.5%-0.4pp |
| Annual return | 12.31% | 24.22%-11.9pp | 30.28%-18.0pp | 73.15%-60.8pp |
| Employer contribution / active EE | $545 | $1,288-57.7% | $4,051-86.5% | $2,343-76.7% |
| Participant deferral / active EE | $1,974 | $2,167-8.9% | $3,287-39.9% | $3,332-40.7% |
| Admin fee / account holder | $623 | $3,324-81.3% | $5,479-88.6% | $4,645-86.6% |