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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 | $75,464 | $81,331-7.2% | $155,534-51.5% | $80,935-6.8% |
| Participation rate | 38.5% | 66.3%-27.8pp | 78.2%-39.8pp | 67.7%-29.2pp |
| Annual return | 8.44% | 33.37%-24.9pp | 64.92%-56.5pp | 35.66%-27.2pp |
| Employer contribution / active EE | $821 | $3,105-73.6% | $4,675-82.4% | $2,757-70.2% |
| Participant deferral / active EE | $1,574 | $3,454-54.4% | $5,630-72.1% | $4,299-63.4% |
| Admin fee / account holder | $1,304 | $7,999-83.7% | $15,900-91.8% | $6,924-81.2% |