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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 | $65,303 | $73,787-11.5% | $98,716-33.8% | $82,448-20.8% |
| Participation rate | 49.0% | 61.4%-12.4pp | 69.3%-20.3pp | 68.1%-19.0pp |
| Annual return | 11.06% | 18.57%-7.5pp | 31.81%-20.7pp | 41.64%-30.6pp |
| Employer contribution / active EE | $969 | $1,511-35.9% | $2,279-57.5% | $2,551-62.0% |
| Participant deferral / active EE | $2,612 | $3,081-15.2% | $4,048-35.5% | $4,139-36.9% |
| Admin fee / account holder | $2,875 | $6,500-55.8% | $8,703-67.0% | $7,234-60.3% |