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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 | $64,839 | $115,931-44.1% | $185,441-65.0% | $86,983-25.5% |
| Participation rate | 39.2% | 73.6%-34.4pp | 80.3%-41.0pp | 69.5%-30.3pp |
| Annual return | 9.50% | 21.47%-12.0pp | 20.16%-10.7pp | 25.83%-16.3pp |
| Employer contribution / active EE | $963 | $2,937-67.2% | $4,672-79.4% | $2,584-62.8% |
| Participant deferral / active EE | $2,204 | $4,551-51.6% | $6,152-64.2% | $4,194-47.5% |
| Admin fee / account holder | $3,341 | $10,687-68.7% | $17,890-81.3% | $7,856-57.5% |