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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 | $71,847 | $108,825-34.0% | $156,181-54.0% | $82,448-12.9% |
| Participation rate | 40.0% | 72.4%-32.4pp | 78.8%-38.8pp | 68.1%-28.1pp |
| Annual return | 12.02% | 20.59%-8.6pp | 64.87%-52.9pp | 41.64%-29.6pp |
| Employer contribution / active EE | $960 | $2,870-66.5% | $4,294-77.6% | $2,551-62.3% |
| Participant deferral / active EE | $5,059 | $4,577+10.5% | $6,132-17.5% | $4,139+22.2% |
| Admin fee / account holder | $2,101 | $9,341-77.5% | $14,586-85.6% | $7,234-71.0% |