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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 | $95,830 | $81,504+17.6% | $102,437-6.4% | $80,959+18.4% |
| Participation rate | 31.0% | 66.9%-35.8pp | 74.5%-43.5pp | 67.7%-36.6pp |
| Annual return | 8.05% | 25.60%-17.5pp | 24.95%-16.9pp | 35.67%-27.6pp |
| Employer contribution / active EE | $908 | $3,104-70.8% | $3,871-76.5% | $2,757-67.1% |
| Participant deferral / active EE | $2,329 | $3,871-39.8% | $5,060-54.0% | $4,300-45.8% |
| Admin fee / account holder | $4,031 | $6,719-40.0% | $8,388-51.9% | $6,925-41.8% |