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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 | $61,049 | $57,057+7.0% | $85,009-28.2% | $80,874-24.5% |
| Participation rate | 48.1% | 56.4%-8.2pp | 67.5%-19.4pp | 67.6%-19.5pp |
| Annual return | 8.00% | 21.66%-13.7pp | 66.47%-58.5pp | 35.62%-27.6pp |
| Employer contribution / active EE | $995 | $1,799-44.7% | $2,728-63.5% | $2,756-63.9% |
| Participant deferral / active EE | $1,755 | $3,112-43.6% | $4,522-61.2% | $4,297-59.2% |
| Admin fee / account holder | $376 | $4,986-92.5% | $6,153-93.9% | $6,935-94.6% |