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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 | $45,597 | $106,749-57.3% | $145,433-68.6% | $82,448-44.7% |
| Participation rate | 69.0% | 75.6%-6.7pp | 82.1%-13.2pp | 68.1%+0.9pp |
| Annual return | 9.31% | 27.59%-18.3pp | 66.58%-57.3pp | 41.64%-32.3pp |
| Employer contribution / active EE | $796 | $3,444-76.9% | $4,554-82.5% | $2,551-68.8% |
| Participant deferral / active EE | $2,591 | $6,519-60.3% | $7,897-67.2% | $4,139-37.4% |
| Admin fee / account holder | $453 | $8,390-94.6% | $13,129-96.6% | $7,234-93.7% |