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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 | $51,593 | $81,487-36.7% | $102,412-49.6% | $80,935-36.3% |
| Participation rate | 48.6% | 66.8%-18.3pp | 74.5%-25.9pp | 67.7%-19.1pp |
| Annual return | 9.70% | 25.60%-15.9pp | 24.94%-15.2pp | 35.66%-26.0pp |
| Employer contribution / active EE | $937 | $3,103-69.8% | $3,870-75.8% | $2,757-66.0% |
| Participant deferral / active EE | $2,079 | $3,871-46.3% | $5,060-58.9% | $4,299-51.7% |
| Admin fee / account holder | $1,834 | $6,717-72.7% | $8,388-78.1% | $6,924-73.5% |