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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 | $64,570 | $36,140+78.7% | $73,658-12.3% | $64,340+0.4% |
| Participation rate | 52.5% | 31.0%+21.5pp | 57.0%-4.5pp | 55.2%-2.7pp |
| Annual return | 10.75% | 21.48%-10.7pp | 29.72%-19.0pp | 24.14%-13.4pp |
| Employer contribution / active EE | $1,083 | $443+144.4% | $1,032+4.9% | $1,862-41.8% |
| Participant deferral / active EE | $2,264 | $1,023+121.4% | $2,062+9.8% | $2,980-24.0% |
| Admin fee / account holder | $2,986 | $2,513+18.8% | $3,357-11.1% | $3,703-19.4% |