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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 | $53,130 | $35,183+51.0% | $73,545-27.8% | $70,124-24.2% |
| Participation rate | 61.3% | 42.9%+18.4pp | 54.9%+6.4pp | 69.5%-8.3pp |
| Annual return | 11.85% | 26.90%-15.1pp | -15.16%+27.0pp | 73.14%-61.3pp |
| Employer contribution / active EE | $695 | $709-1.9% | $1,219-43.0% | $2,342-70.3% |
| Participant deferral / active EE | $1,859 | $1,220+52.4% | $1,806+2.9% | $3,332-44.2% |
| Admin fee / account holder | $849 | $2,302-63.1% | $2,320-63.4% | $4,645-81.7% |