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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 | $36,201 | $79,955-54.7% | $98,450-63.2% | $75,181-51.8% |
| Participation rate | 55.0% | 70.4%-15.4pp | 75.2%-20.2pp | 67.2%-12.2pp |
| Annual return | 10.75% | 19.75%-9.0pp | 21.16%-10.4pp | 160.69%-149.9pp |
| Employer contribution / active EE | $748 | $2,264-67.0% | $3,049-75.5% | $2,671-72.0% |
| Participant deferral / active EE | $1,993 | $3,752-46.9% | $4,739-57.9% | $4,126-51.7% |
| Admin fee / account holder | $1,064 | $6,841-84.4% | $8,961-88.1% | $5,650-81.2% |