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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 | $75,161 | $87,059-13.7% | $105,608-28.8% | $80,925-7.1% |
| Participation rate | 53.8% | 70.4%-16.6pp | 75.3%-21.4pp | 67.7%-13.8pp |
| Annual return | 7.95% | 17.05%-9.1pp | 116.50%-108.5pp | 35.65%-27.7pp |
| Employer contribution / active EE | $972 | $2,396-59.4% | $3,167-69.3% | $2,756-64.7% |
| Participant deferral / active EE | $1,871 | $3,986-53.1% | $5,010-62.7% | $4,299-56.5% |
| Admin fee / account holder | $2,431 | $8,443-71.2% | $11,028-78.0% | $6,940-65.0% |