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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 | $89,467 | $86,938+2.9% | $102,423-12.7% | $80,925+10.6% |
| Participation rate | 44.8% | 72.4%-27.6pp | 76.5%-31.7pp | 67.7%-22.8pp |
| Annual return | 8.22% | 18.89%-10.7pp | 29.42%-21.2pp | 35.65%-27.4pp |
| Employer contribution / active EE | $936 | $2,369-60.5% | $3,023-69.0% | $2,756-66.0% |
| Participant deferral / active EE | $3,627 | $4,120-12.0% | $5,054-28.2% | $4,299-15.6% |
| Admin fee / account holder | $3,824 | $8,053-52.5% | $9,455-59.6% | $6,940-44.9% |