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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 | $69,226 | $46,877+47.7% | $122,354-43.4% | $70,124-1.3% |
| Participation rate | 48.3% | 58.2%-9.9pp | 71.6%-23.4pp | 69.5%-21.3pp |
| Annual return | 9.50% | 24.22%-14.7pp | 30.28%-20.8pp | 73.14%-63.6pp |
| Employer contribution / active EE | $835 | $1,288-35.2% | $4,051-79.4% | $2,342-64.4% |
| Participant deferral / active EE | $2,002 | $2,167-7.6% | $3,287-39.1% | $3,332-39.9% |
| Admin fee / account holder | $1,716 | $3,324-48.4% | $5,479-68.7% | $4,645-63.1% |