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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 | $74,458 | $59,839+24.4% | $81,988-9.2% | $79,858-6.8% |
| Participation rate | 51.9% | 61.6%-9.8pp | 69.3%-17.4pp | 69.6%-17.8pp |
| Annual return | 2.36% | 17.56%-15.2pp | 41.31%-39.0pp | 31.72%-29.4pp |
| Employer contribution / active EE | $525 | $1,713-69.4% | $2,498-79.0% | $2,471-78.8% |
| Participant deferral / active EE | $1,618 | $2,695-40.0% | $3,722-56.5% | $3,740-56.8% |
| Admin fee / account holder | $749 | $4,287-82.5% | $5,665-86.8% | $5,306-85.9% |