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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 | $60,462 | $72,269-16.3% | $101,271-40.3% | $79,852-24.3% |
| Participation rate | 46.3% | 68.5%-22.1pp | 75.8%-29.5pp | 69.6%-23.3pp |
| Annual return | 10.51% | 22.29%-11.8pp | 46.48%-36.0pp | 31.72%-21.2pp |
| Employer contribution / active EE | $677 | $2,692-74.8% | $3,660-81.5% | $2,471-72.6% |
| Participant deferral / active EE | $3,226 | $3,282-1.7% | $4,371-26.2% | $3,740-13.7% |
| Admin fee / account holder | $723 | $4,401-83.6% | $5,948-87.8% | $5,306-86.4% |