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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 | $67,762 | $115,931-41.5% | $185,441-63.5% | $86,983-22.1% |
| Participation rate | 49.0% | 73.6%-24.6pp | 80.3%-31.2pp | 69.5%-20.5pp |
| Annual return | 9.68% | 21.47%-11.8pp | 20.16%-10.5pp | 25.83%-16.2pp |
| Employer contribution / active EE | $811 | $2,937-72.4% | $4,672-82.6% | $2,584-68.6% |
| Participant deferral / active EE | $2,340 | $4,551-48.6% | $6,152-62.0% | $4,194-44.2% |
| Admin fee / account holder | $5,761 | $10,687-46.1% | $17,890-67.8% | $7,856-26.7% |