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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 | $66,150 | $51,283+29.0% | $95,740-30.9% | $71,511-7.5% |
| Participation rate | 42.7% | 63.1%-20.4pp | 72.3%-29.5pp | 67.9%-25.2pp |
| Annual return | 11.84% | 25.25%-13.4pp | 28.41%-16.6pp | 28.86%-17.0pp |
| Employer contribution / active EE | $979 | $1,817-46.1% | $2,836-65.5% | $2,589-62.2% |
| Participant deferral / active EE | $2,202 | $3,365-34.6% | $4,244-48.1% | $4,291-48.7% |
| Admin fee / account holder | $1,467 | $1,135+29.3% | $5,676-74.1% | $1,588-7.6% |