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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 | $61,039 | $106,524-42.7% | $152,301-59.9% | $87,485-30.2% |
| Participation rate | 40.8% | 75.8%-34.9pp | 82.4%-41.6pp | 68.9%-28.1pp |
| Annual return | 13.81% | 26.89%-13.1pp | 80.50%-66.7pp | 26.06%-12.3pp |
| Employer contribution / active EE | $787 | $3,371-76.6% | $4,624-83.0% | $2,596-69.7% |
| Participant deferral / active EE | $2,580 | $6,525-60.5% | $8,004-67.8% | $4,274-39.6% |
| Admin fee / account holder | $581 | $8,287-93.0% | $14,398-96.0% | $7,775-92.5% |