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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 | $81,392 | $73,978+10.0% | $96,515-15.7% | $75,173+8.3% |
| Participation rate | 32.3% | 66.4%-34.2pp | 74.3%-42.1pp | 67.2%-34.9pp |
| Annual return | 12.06% | 26.72%-14.7pp | 35.73%-23.7pp | 160.72%-148.7pp |
| Employer contribution / active EE | $834 | $2,931-71.5% | $3,740-77.7% | $2,671-68.8% |
| Participant deferral / active EE | $1,565 | $3,660-57.2% | $4,880-67.9% | $4,126-62.1% |
| Admin fee / account holder | $1,697 | $5,219-67.5% | $6,735-74.8% | $5,651-70.0% |