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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 | $77,492-1.9% | $100,398-24.2% | $80,911-6.0% |
| Participation rate | 51.0% | 76.9%-25.9pp | 81.5%-30.5pp | 67.6%-16.6pp |
| Annual return | 9.91% | 37.23%-27.3pp | 49.32%-39.4pp | 35.63%-25.7pp |
| Employer contribution / active EE | $613 | $2,800-78.1% | $3,946-84.5% | $2,756-77.8% |
| Participant deferral / active EE | $2,912 | $6,817-57.3% | $8,084-64.0% | $4,297-32.2% |
| Admin fee / account holder | $622 | $5,892-89.4% | $7,893-92.1% | $6,935-91.0% |