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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 | $51,177 | $75,541-32.3% | $152,093-66.4% | $82,637-38.1% |
| Participation rate | 60.8% | 66.5%-5.7pp | 77.8%-16.9pp | 68.1%-7.2pp |
| Annual return | 8.79% | 32.56%-23.8pp | 66.36%-57.6pp | 53.51%-44.7pp |
| Employer contribution / active EE | $490 | $2,622-81.3% | $4,175-88.3% | $2,552-80.8% |
| Participant deferral / active EE | $2,474 | $3,206-22.8% | $5,451-54.6% | $4,126-40.0% |
| Admin fee / account holder | $5,288 | $6,405-17.4% | $14,497-63.5% | $7,339-27.9% |