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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 | $75,339 | $78,015-3.4% | $178,505-57.8% | $80,959-6.9% |
| Participation rate | 35.7% | 65.7%-30.0pp | 77.1%-41.4pp | 67.7%-32.0pp |
| Annual return | 10.59% | 18.10%-7.5pp | 27.16%-16.6pp | 35.67%-25.1pp |
| Employer contribution / active EE | $937 | $2,281-58.9% | $3,955-76.3% | $2,757-66.0% |
| Participant deferral / active EE | $1,542 | $4,406-65.0% | $6,280-75.5% | $4,300-64.1% |
| Admin fee / account holder | $4,255 | $7,160-40.6% | $10,428-59.2% | $6,925-38.6% |