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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 | $83,311 | $56,054+48.6% | $171,082-51.3% | $62,881+32.5% |
| Participation rate | 40.0% | 62.9%-22.9pp | 76.7%-36.7pp | 69.3%-29.3pp |
| Annual return | 5.27% | 22.52%-17.2pp | 32.56%-27.3pp | 20.14%-14.9pp |
| Employer contribution / active EE | $828 | $1,731-52.2% | $4,002-79.3% | $2,281-63.7% |
| Participant deferral / active EE | $2,676 | $3,158-15.3% | $4,797-44.2% | $3,203-16.5% |
| Admin fee / account holder | $833 | $3,647-77.2% | $8,520-90.2% | $4,296-80.6% |