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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 | $76,834-31.7% | $108,359-51.5% | $87,485-40.0% |
| Participation rate | 40.8% | 61.7%-20.9pp | 70.1%-29.3pp | 68.9%-28.1pp |
| Annual return | 10.20% | 19.09%-8.9pp | 36.89%-26.7pp | 26.06%-15.9pp |
| Employer contribution / active EE | $487 | $1,556-68.7% | $2,399-79.7% | $2,596-81.2% |
| Participant deferral / active EE | $1,973 | $3,100-36.3% | $4,137-52.3% | $4,274-53.8% |
| Admin fee / account holder | $5,927 | $6,537-9.3% | $9,741-39.2% | $7,775-23.8% |