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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 | $76,232 | $69,444+9.8% | $92,985-18.0% | $87,485-12.9% |
| Participation rate | 42.9% | 63.3%-20.4pp | 69.5%-26.6pp | 68.9%-26.1pp |
| Annual return | 5.00% | 23.85%-18.9pp | 27.99%-23.0pp | 26.06%-21.1pp |
| Employer contribution / active EE | $957 | $1,917-50.1% | $2,662-64.1% | $2,596-63.2% |
| Participant deferral / active EE | $1,891 | $3,364-43.8% | $4,377-56.8% | $4,274-55.7% |
| Admin fee / account holder | $733 | $6,137-88.1% | $9,463-92.3% | $7,775-90.6% |