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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 | $52,951 | $77,962-32.1% | $178,540-70.3% | $80,935-34.6% |
| Participation rate | 56.0% | 65.7%-9.7pp | 77.1%-21.1pp | 67.7%-11.7pp |
| Annual return | 10.48% | 18.10%-7.6pp | 27.15%-16.7pp | 35.66%-25.2pp |
| Employer contribution / active EE | $889 | $2,280-61.0% | $3,953-77.5% | $2,757-67.8% |
| Participant deferral / active EE | $3,343 | $4,404-24.1% | $6,281-46.8% | $4,299-22.2% |
| Admin fee / account holder | $8,165 | $7,156+14.1% | $10,424-21.7% | $6,924+17.9% |