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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 | $55,972 | $81,276-31.1% | $155,574-64.0% | $80,925-30.8% |
| Participation rate | 54.1% | 66.2%-12.2pp | 78.2%-24.2pp | 67.7%-13.6pp |
| Annual return | 9.85% | 33.36%-23.5pp | 64.87%-55.0pp | 35.65%-25.8pp |
| Employer contribution / active EE | $797 | $3,103-74.3% | $4,676-83.0% | $2,756-71.1% |
| Participant deferral / active EE | $2,770 | $3,453-19.8% | $5,629-50.8% | $4,299-35.6% |
| Admin fee / account holder | $2,557 | $7,993-68.0% | $15,914-83.9% | $6,940-63.2% |