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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 | $64,546 | $75,541-14.6% | $152,093-57.6% | $82,637-21.9% |
| Participation rate | 21.3% | 66.5%-45.2pp | 77.8%-56.4pp | 68.1%-46.7pp |
| Annual return | 11.68% | 32.56%-20.9pp | 66.36%-54.7pp | 53.51%-41.8pp |
| Employer contribution / active EE | $519 | $2,622-80.2% | $4,175-87.6% | $2,552-79.6% |
| Participant deferral / active EE | $1,723 | $3,206-46.3% | $5,451-68.4% | $4,126-58.2% |
| Admin fee / account holder | $3,934 | $6,405-38.6% | $14,497-72.9% | $7,339-46.4% |