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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 | $70,153 | $57,590+21.8% | $86,233-18.6% | $82,448-14.9% |
| Participation rate | 52.1% | 57.9%-5.8pp | 69.0%-16.9pp | 68.1%-16.0pp |
| Annual return | 13.32% | 22.41%-9.1pp | 61.39%-48.1pp | 41.64%-28.3pp |
| Employer contribution / active EE | $730 | $1,655-55.9% | $2,504-70.8% | $2,551-71.4% |
| Participant deferral / active EE | $1,415 | $3,080-54.1% | $4,559-69.0% | $4,139-65.8% |
| Admin fee / account holder | $6,872 | $4,730+45.3% | $8,342-17.6% | $7,234-5.0% |