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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 | $61,516 | $64,010-3.9% | $108,359-43.2% | $64,340-4.4% |
| Participation rate | 49.1% | 49.4%-0.3pp | 70.1%-21.0pp | 55.2%-6.2pp |
| Annual return | 11.21% | 19.74%-8.5pp | 36.89%-25.7pp | 24.14%-12.9pp |
| Employer contribution / active EE | $764 | $1,029-25.8% | $2,399-68.2% | $1,862-59.0% |
| Participant deferral / active EE | $2,317 | $2,395-3.2% | $4,137-44.0% | $2,980-22.2% |
| Admin fee / account holder | $3,509 | $4,885-28.2% | $9,741-64.0% | $3,703-5.2% |