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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 | $73,926 | $43,075+71.6% | $74,577-0.9% | $62,881+17.6% |
| Participation rate | 39.0% | 58.1%-19.0pp | 68.1%-29.1pp | 69.3%-30.3pp |
| Annual return | 4.55% | 17.50%-13.0pp | 20.47%-15.9pp | 20.14%-15.6pp |
| Employer contribution / active EE | $671 | $1,498-55.2% | $2,525-73.4% | $2,281-70.6% |
| Participant deferral / active EE | $2,552 | $2,389+6.8% | $3,458-26.2% | $3,203-20.3% |
| Admin fee / account holder | $1,077 | $2,840-62.1% | $4,138-74.0% | $4,296-74.9% |