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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 | $76,472 | $67,602+13.1% | $82,312-7.1% | $70,126+9.0% |
| Participation rate | 44.4% | 72.8%-28.3pp | 76.9%-32.4pp | 69.5%-25.1pp |
| Annual return | 10.72% | 21.57%-10.8pp | 25.88%-15.2pp | 73.15%-62.4pp |
| Employer contribution / active EE | $388 | $1,755-77.9% | $2,428-84.0% | $2,343-83.4% |
| Participant deferral / active EE | $1,603 | $2,987-46.4% | $3,706-56.8% | $3,332-51.9% |
| Admin fee / account holder | $2,975 | $4,512-34.1% | $5,608-47.0% | $4,645-36.0% |