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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 | $87,377 | $81,276+7.5% | $155,574-43.8% | $80,925+8.0% |
| Participation rate | 24.0% | 66.2%-42.2pp | 78.2%-54.2pp | 67.7%-43.7pp |
| Annual return | 10.31% | 33.36%-23.0pp | 64.87%-54.6pp | 35.65%-25.3pp |
| Employer contribution / active EE | $592 | $3,103-80.9% | $4,676-87.3% | $2,756-78.5% |
| Participant deferral / active EE | $3,328 | $3,453-3.6% | $5,629-40.9% | $4,299-22.6% |
| Admin fee / account holder | $3,154 | $7,993-60.5% | $15,914-80.2% | $6,940-54.5% |