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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 | $72,633 | $95,453-23.9% | $112,040-35.2% | $82,448-11.9% |
| Participation rate | 51.1% | 72.8%-21.7pp | 76.5%-25.4pp | 68.1%-17.0pp |
| Annual return | 11.42% | 23.92%-12.5pp | 24.52%-13.1pp | 41.64%-30.2pp |
| Employer contribution / active EE | $693 | $2,318-70.1% | $2,954-76.5% | $2,551-72.8% |
| Participant deferral / active EE | $2,896 | $4,224-31.4% | $5,098-43.2% | $4,139-30.0% |
| Admin fee / account holder | $640 | $9,013-92.9% | $12,098-94.7% | $7,234-91.1% |