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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 | $51,742 | $71,230-27.4% | $93,727-44.8% | $80,959-36.1% |
| Participation rate | 58.8% | 60.4%-1.6pp | 68.7%-10.0pp | 67.7%-8.9pp |
| Annual return | 8.54% | 11.26%-2.7pp | 133.83%-125.3pp | 35.67%-27.1pp |
| Employer contribution / active EE | $899 | $1,565-42.5% | $2,421-62.9% | $2,757-67.4% |
| Participant deferral / active EE | $2,451 | $4,037-39.3% | $4,417-44.5% | $4,300-43.0% |
| Admin fee / account holder | $4,267 | $6,961-38.7% | $8,292-48.5% | $6,925-38.4% |