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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 | $74,854 | $57,140+31.0% | $85,240-12.2% | $80,959-7.5% |
| Participation rate | 38.1% | 56.4%-18.3pp | 67.5%-29.4pp | 67.7%-29.6pp |
| Annual return | 10.47% | 21.71%-11.2pp | 66.75%-56.3pp | 35.67%-25.2pp |
| Employer contribution / active EE | $489 | $1,802-72.8% | $2,735-82.1% | $2,757-82.3% |
| Participant deferral / active EE | $1,857 | $3,115-40.4% | $4,527-59.0% | $4,300-56.8% |
| Admin fee / account holder | $7,814 | $4,992+56.5% | $6,165+26.8% | $6,925+12.8% |