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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 | $74,594 | $93,055-19.8% | $153,643-51.4% | $80,935-7.8% |
| Participation rate | 32.4% | 69.0%-36.6pp | 77.1%-44.7pp | 67.7%-35.3pp |
| Annual return | 8.44% | 19.97%-11.5pp | 15.71%-7.3pp | 35.66%-27.2pp |
| Employer contribution / active EE | $1,532 | $3,504-56.3% | $5,039-69.6% | $2,757-44.4% |
| Participant deferral / active EE | $4,557 | $5,172-11.9% | $6,754-32.5% | $4,299+6.0% |
| Admin fee / account holder | $5,382 | $8,881-39.4% | $12,739-57.7% | $6,924-22.3% |