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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 | $54,070 | $72,272-25.2% | $101,264-46.6% | $79,858-32.3% |
| Participation rate | 55.6% | 68.5%-12.9pp | 75.8%-20.3pp | 69.6%-14.1pp |
| Annual return | 10.40% | 22.30%-11.9pp | 46.48%-36.1pp | 31.72%-21.3pp |
| Employer contribution / active EE | $939 | $2,692-65.1% | $3,660-74.3% | $2,471-62.0% |
| Participant deferral / active EE | $2,749 | $3,282-16.2% | $4,370-37.1% | $3,740-26.5% |
| Admin fee / account holder | $418 | $4,401-90.5% | $5,947-93.0% | $5,306-92.1% |