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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 | $58,554 | $72,492-19.2% | $87,104-32.8% | $72,975-19.8% |
| Participation rate | 48.8% | 72.8%-24.0pp | 76.9%-28.1pp | 69.5%-20.7pp |
| Annual return | 14.62% | 24.46%-9.8pp | 28.19%-13.6pp | 81.01%-66.4pp |
| Employer contribution / active EE | $689 | $1,894-63.6% | $2,521-72.7% | $2,440-71.7% |
| Participant deferral / active EE | $2,292 | $3,270-29.9% | $4,048-43.4% | $3,608-36.5% |
| Admin fee / account holder | $632 | $5,055-87.5% | $7,491-91.6% | $5,124-87.7% |