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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 | $50,192 | $78,015-35.7% | $178,505-71.9% | $80,959-38.0% |
| Participation rate | 39.3% | 65.7%-26.4pp | 77.1%-37.8pp | 67.7%-28.4pp |
| Annual return | 6.14% | 18.10%-12.0pp | 27.16%-21.0pp | 35.67%-29.5pp |
| Employer contribution / active EE | $1,023 | $2,281-55.2% | $3,955-74.1% | $2,757-62.9% |
| Participant deferral / active EE | $2,471 | $4,406-43.9% | $6,280-60.7% | $4,300-42.5% |
| Admin fee / account holder | $564 | $7,160-92.1% | $10,428-94.6% | $6,925-91.9% |