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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 | $27,686 | $35,183-21.3% | $73,550-62.4% | $70,126-60.5% |
| Participation rate | 54.5% | 42.9%+11.6pp | 54.9%-0.4pp | 69.5%-15.0pp |
| Annual return | 11.81% | 26.90%-15.1pp | -15.16%+27.0pp | 73.15%-61.3pp |
| Employer contribution / active EE | $920 | $709+29.8% | $1,219-24.6% | $2,343-60.7% |
| Participant deferral / active EE | $2,686 | $1,220+120.2% | $1,804+48.9% | $3,332-19.4% |
| Admin fee / account holder | $780 | $2,302-66.1% | $2,320-66.4% | $4,645-83.2% |