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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 | $40,538 | $36,948+9.7% | $73,658-45.0% | $87,485-53.7% |
| Participation rate | 63.9% | 46.8%+17.1pp | 57.0%+6.8pp | 68.9%-5.0pp |
| Annual return | 11.25% | 28.64%-17.4pp | 29.72%-18.5pp | 26.06%-14.8pp |
| Employer contribution / active EE | $852 | $670+27.1% | $1,032-17.5% | $2,596-67.2% |
| Participant deferral / active EE | $1,760 | $1,379+27.6% | $2,062-14.6% | $4,274-58.8% |
| Admin fee / account holder | $643 | $2,531-74.6% | $3,357-80.9% | $7,775-91.7% |