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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 | $51,007 | $75,541-32.5% | $152,093-66.5% | $82,637-38.3% |
| Participation rate | 37.5% | 66.5%-29.0pp | 77.8%-40.3pp | 68.1%-30.6pp |
| Annual return | 10.59% | 32.56%-22.0pp | 66.36%-55.8pp | 53.51%-42.9pp |
| Employer contribution / active EE | $699 | $2,622-73.4% | $4,175-83.3% | $2,552-72.6% |
| Participant deferral / active EE | $1,377 | $3,206-57.1% | $5,451-74.7% | $4,126-66.6% |
| Admin fee / account holder | $4,456 | $6,405-30.4% | $14,497-69.3% | $7,339-39.3% |