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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 | $55,964 | $86,949-35.6% | $102,460-45.4% | $80,959-30.9% |
| Participation rate | 60.4% | 72.4%-12.0pp | 76.5%-16.1pp | 67.7%-7.3pp |
| Annual return | 4.36% | 18.89%-14.5pp | 29.47%-25.1pp | 35.67%-31.3pp |
| Employer contribution / active EE | $944 | $2,370-60.1% | $3,025-68.8% | $2,757-65.7% |
| Participant deferral / active EE | $2,028 | $4,121-50.8% | $5,056-59.9% | $4,300-52.8% |
| Admin fee / account holder | $1,910 | $8,048-76.3% | $9,460-79.8% | $6,925-72.4% |