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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 | $72,081 | $81,504-11.6% | $102,437-29.6% | $80,959-11.0% |
| Participation rate | 40.0% | 66.9%-26.9pp | 74.5%-34.5pp | 67.7%-27.7pp |
| Annual return | 9.38% | 25.60%-16.2pp | 24.95%-15.6pp | 35.67%-26.3pp |
| Employer contribution / active EE | $933 | $3,104-69.9% | $3,871-75.9% | $2,757-66.2% |
| Participant deferral / active EE | $3,548 | $3,871-8.3% | $5,060-29.9% | $4,300-17.5% |
| Admin fee / account holder | $3,077 | $6,719-54.2% | $8,388-63.3% | $6,925-55.6% |