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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 | $81,744 | $57,590+41.9% | $86,233-5.2% | $82,448-0.9% |
| Participation rate | 52.2% | 57.9%-5.7pp | 69.0%-16.8pp | 68.1%-15.9pp |
| Annual return | 13.30% | 22.41%-9.1pp | 61.39%-48.1pp | 41.64%-28.3pp |
| Employer contribution / active EE | $768 | $1,655-53.6% | $2,504-69.3% | $2,551-69.9% |
| Participant deferral / active EE | $1,581 | $3,080-48.7% | $4,559-65.3% | $4,139-61.8% |
| Admin fee / account holder | $2,445 | $4,730-48.3% | $8,342-70.7% | $7,234-66.2% |