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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 | $65,383 | $56,544+15.6% | $75,501-13.4% | $70,126-6.8% |
| Participation rate | 53.4% | 68.1%-14.7pp | 72.4%-18.9pp | 69.5%-16.1pp |
| Annual return | 11.93% | 23.59%-11.7pp | 27.35%-15.4pp | 73.15%-61.2pp |
| Employer contribution / active EE | $498 | $1,817-72.6% | $2,352-78.8% | $2,343-78.7% |
| Participant deferral / active EE | $1,340 | $2,580-48.0% | $3,142-57.3% | $3,332-59.8% |
| Admin fee / account holder | $4,872 | $3,827+27.3% | $5,801-16.0% | $4,645+4.9% |