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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 | $85,039 | $114,712-25.9% | $173,730-51.1% | $87,485-2.8% |
| Participation rate | 36.4% | 73.0%-36.6pp | 79.6%-43.2pp | 68.9%-32.6pp |
| Annual return | 11.18% | 20.18%-9.0pp | 19.96%-8.8pp | 26.06%-14.9pp |
| Employer contribution / active EE | $983 | $2,904-66.1% | $4,577-78.5% | $2,596-62.1% |
| Participant deferral / active EE | $2,311 | $4,642-50.2% | $6,326-63.5% | $4,274-45.9% |
| Admin fee / account holder | $3,819 | $10,210-62.6% | $17,523-78.2% | $7,775-50.9% |