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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 | $69,131 | $64,359+7.4% | $90,161-23.3% | $70,126-1.4% |
| Participation rate | 53.8% | 70.4%-16.6pp | 76.9%-23.0pp | 69.5%-15.7pp |
| Annual return | 13.40% | 28.13%-14.7pp | 34.89%-21.5pp | 73.15%-59.7pp |
| Employer contribution / active EE | $700 | $2,046-65.8% | $3,318-78.9% | $2,343-70.1% |
| Participant deferral / active EE | $1,813 | $4,389-58.7% | $5,287-65.7% | $3,332-45.6% |
| Admin fee / account holder | $951 | $3,945-75.9% | $5,943-84.0% | $4,645-79.5% |