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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 | $49,190 | $63,904-23.0% | $89,340-44.9% | $67,986-27.6% |
| Participation rate | 63.1% | 54.3%+8.7pp | 69.6%-6.5pp | 57.2%+5.9pp |
| Annual return | 12.27% | 18.09%-5.8pp | 20.57%-8.3pp | 31.67%-19.4pp |
| Employer contribution / active EE | $901 | $1,627-44.6% | $2,231-59.6% | $2,019-55.4% |
| Participant deferral / active EE | $3,240 | $2,691+20.4% | $3,823-15.3% | $3,358-3.5% |
| Admin fee / account holder | $9,609 | $3,315+189.9% | $6,704+43.3% | $3,203+200.0% |