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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 | $78,561 | $57,541+36.5% | $95,740-17.9% | $75,173+4.5% |
| Participation rate | 53.5% | 62.5%-9.0pp | 72.3%-18.8pp | 67.2%-13.7pp |
| Annual return | 12.08% | 34.93%-22.9pp | 28.41%-16.3pp | 160.72%-148.6pp |
| Employer contribution / active EE | $615 | $1,808-66.0% | $2,836-78.3% | $2,671-77.0% |
| Participant deferral / active EE | $2,808 | $3,074-8.6% | $4,244-33.8% | $4,126-31.9% |
| Admin fee / account holder | $2,715 | $4,099-33.8% | $5,676-52.2% | $5,651-52.0% |