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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 | $36,668 | $75,541-51.5% | $152,093-75.9% | $82,637-55.6% |
| Participation rate | 53.1% | 66.5%-13.4pp | 77.8%-24.6pp | 68.1%-14.9pp |
| Annual return | 12.32% | 32.56%-20.2pp | 66.36%-54.0pp | 53.51%-41.2pp |
| Employer contribution / active EE | $587 | $2,622-77.6% | $4,175-85.9% | $2,552-77.0% |
| Participant deferral / active EE | $1,495 | $3,206-53.4% | $5,451-72.6% | $4,126-63.8% |
| Admin fee / account holder | $783 | $6,405-87.8% | $14,497-94.6% | $7,339-89.3% |