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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 | $45,698 | $76,551-40.3% | $123,894-63.1% | $62,881-27.3% |
| Participation rate | 47.2% | 73.0%-25.8pp | 81.4%-34.2pp | 69.3%-22.1pp |
| Annual return | 5.34% | 18.68%-13.3pp | 47.52%-42.2pp | 20.14%-14.8pp |
| Employer contribution / active EE | $714 | $2,882-75.2% | $4,617-84.5% | $2,281-68.7% |
| Participant deferral / active EE | $2,874 | $4,840-40.6% | $5,984-52.0% | $3,203-10.3% |
| Admin fee / account holder | $2,858 | $4,826-40.8% | $8,357-65.8% | $4,296-33.5% |