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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 | $38,463 | $77,962-50.7% | $178,540-78.5% | $80,935-52.5% |
| Participation rate | 54.0% | 65.7%-11.7pp | 77.1%-23.1pp | 67.7%-13.7pp |
| Annual return | 9.58% | 18.10%-8.5pp | 27.15%-17.6pp | 35.66%-26.1pp |
| Employer contribution / active EE | $909 | $2,280-60.1% | $3,953-77.0% | $2,757-67.0% |
| Participant deferral / active EE | $2,069 | $4,404-53.0% | $6,281-67.1% | $4,299-51.9% |
| Admin fee / account holder | $4,766 | $7,156-33.4% | $10,424-54.3% | $6,924-31.2% |