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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 | $50,702 | $67,602-25.0% | $82,312-38.4% | $70,126-27.7% |
| Participation rate | 67.2% | 72.8%-5.5pp | 76.9%-9.7pp | 69.5%-2.3pp |
| Annual return | 7.42% | 21.57%-14.1pp | 25.88%-18.5pp | 73.15%-65.7pp |
| Employer contribution / active EE | $605 | $1,755-65.6% | $2,428-75.1% | $2,343-74.2% |
| Participant deferral / active EE | $1,745 | $2,987-41.6% | $3,706-52.9% | $3,332-47.6% |
| Admin fee / account holder | $592 | $4,512-86.9% | $5,608-89.4% | $4,645-87.3% |