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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 | $94,951 | $81,504+16.5% | $102,437-7.3% | $80,959+17.3% |
| Participation rate | 37.0% | 66.9%-29.8pp | 74.5%-37.5pp | 67.7%-30.6pp |
| Annual return | 10.24% | 25.60%-15.4pp | 24.95%-14.7pp | 35.67%-25.4pp |
| Employer contribution / active EE | $879 | $3,104-71.7% | $3,871-77.3% | $2,757-68.1% |
| Participant deferral / active EE | $3,602 | $3,871-6.9% | $5,060-28.8% | $4,300-16.2% |
| Admin fee / account holder | $949 | $6,719-85.9% | $8,388-88.7% | $6,925-86.3% |