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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 | $63,839 | $76,834-16.9% | $108,359-41.1% | $87,485-27.0% |
| Participation rate | 53.8% | 61.7%-7.9pp | 70.1%-16.3pp | 68.9%-15.1pp |
| Annual return | 11.12% | 19.09%-8.0pp | 36.89%-25.8pp | 26.06%-14.9pp |
| Employer contribution / active EE | $618 | $1,556-60.3% | $2,399-74.3% | $2,596-76.2% |
| Participant deferral / active EE | $1,638 | $3,100-47.2% | $4,137-60.4% | $4,274-61.7% |
| Admin fee / account holder | $3,388 | $6,537-48.2% | $9,741-65.2% | $7,775-56.4% |