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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 | $76,056 | $77,472-1.8% | $100,392-24.2% | $80,935-6.0% |
| Participation rate | 51.0% | 76.9%-25.9pp | 81.5%-30.5pp | 67.7%-16.6pp |
| Annual return | 9.91% | 37.26%-27.4pp | 49.45%-39.5pp | 35.66%-25.8pp |
| Employer contribution / active EE | $613 | $2,800-78.1% | $3,941-84.4% | $2,757-77.8% |
| Participant deferral / active EE | $2,912 | $6,818-57.3% | $8,090-64.0% | $4,299-32.3% |
| Admin fee / account holder | $622 | $5,885-89.4% | $7,904-92.1% | $6,924-91.0% |