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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 | $51,959 | $81,476-36.2% | $102,383-49.3% | $80,925-35.8% |
| Participation rate | 45.5% | 66.8%-21.4pp | 74.5%-29.1pp | 67.7%-22.2pp |
| Annual return | 10.40% | 25.59%-15.2pp | 24.94%-14.5pp | 35.65%-25.2pp |
| Employer contribution / active EE | $906 | $3,105-70.8% | $3,870-76.6% | $2,756-67.1% |
| Participant deferral / active EE | $2,594 | $3,871-33.0% | $5,060-48.7% | $4,299-39.7% |
| Admin fee / account holder | $2,072 | $6,717-69.2% | $8,391-75.3% | $6,940-70.1% |