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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 | $32,446 | $64,359-49.6% | $90,161-64.0% | $70,126-53.7% |
| Participation rate | 52.1% | 70.4%-18.3pp | 76.9%-24.8pp | 69.5%-17.5pp |
| Annual return | 13.34% | 28.13%-14.8pp | 34.89%-21.5pp | 73.15%-59.8pp |
| Employer contribution / active EE | $980 | $2,046-52.1% | $3,318-70.5% | $2,343-58.2% |
| Participant deferral / active EE | $2,243 | $4,389-48.9% | $5,287-57.6% | $3,332-32.7% |
| Admin fee / account holder | $494 | $3,945-87.5% | $5,943-91.7% | $4,645-89.4% |