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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 | $29,263 | $56,894-48.6% | $84,753-65.5% | $62,881-53.5% |
| Participation rate | 52.0% | 68.5%-16.5pp | 76.6%-24.6pp | 69.3%-17.3pp |
| Annual return | 2.57% | 6.30%-3.7pp | 22.78%-20.2pp | 20.14%-17.6pp |
| Employer contribution / active EE | $874 | $2,400-63.6% | $3,574-75.5% | $2,281-61.7% |
| Participant deferral / active EE | $2,958 | $2,709+9.2% | $3,712-20.3% | $3,203-7.7% |
| Admin fee / account holder | $2,012 | $3,581-43.8% | $5,333-62.3% | $4,296-53.2% |