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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 | $73,912 | $69,444+6.4% | $92,985-20.5% | $87,485-15.5% |
| Participation rate | 49.0% | 63.3%-14.3pp | 69.5%-20.5pp | 68.9%-20.0pp |
| Annual return | 9.32% | 23.85%-14.5pp | 27.99%-18.7pp | 26.06%-16.7pp |
| Employer contribution / active EE | $824 | $1,917-57.0% | $2,662-69.1% | $2,596-68.3% |
| Participant deferral / active EE | $1,756 | $3,364-47.8% | $4,377-59.9% | $4,274-58.9% |
| Admin fee / account holder | $2,226 | $6,137-63.7% | $9,463-76.5% | $7,775-71.4% |