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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 | $52,511 | $77,574-32.3% | $108,753-51.7% | $86,983-39.6% |
| Participation rate | 40.8% | 62.3%-21.5pp | 71.1%-30.3pp | 69.5%-28.7pp |
| Annual return | 10.20% | 18.42%-8.2pp | 37.47%-27.3pp | 25.83%-15.6pp |
| Employer contribution / active EE | $487 | $1,611-69.8% | $2,427-79.9% | $2,584-81.2% |
| Participant deferral / active EE | $1,973 | $3,128-36.9% | $4,115-52.0% | $4,194-52.9% |
| Admin fee / account holder | $5,927 | $6,529-9.2% | $10,320-42.6% | $7,856-24.6% |