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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 | $68,063 | $58,057+17.2% | $97,032-29.9% | $86,983-21.8% |
| Participation rate | 45.7% | 60.4%-14.7pp | 71.6%-25.9pp | 69.5%-23.9pp |
| Annual return | 12.79% | 22.26%-9.5pp | 35.38%-22.6pp | 25.83%-13.0pp |
| Employer contribution / active EE | $193 | $1,663-88.4% | $2,629-92.7% | $2,584-92.5% |
| Participant deferral / active EE | $2,068 | $3,244-36.3% | $4,672-55.7% | $4,194-50.7% |
| Admin fee / account holder | $3,233 | $4,839-33.2% | $9,418-65.7% | $7,856-58.8% |