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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 | $74,355 | $86,949-14.5% | $102,460-27.4% | $80,959-8.2% |
| Participation rate | 40.6% | 72.4%-31.8pp | 76.5%-35.9pp | 67.7%-27.0pp |
| Annual return | 7.92% | 18.89%-11.0pp | 29.47%-21.5pp | 35.67%-27.7pp |
| Employer contribution / active EE | $1,191 | $2,370-49.7% | $3,025-60.6% | $2,757-56.8% |
| Participant deferral / active EE | $2,536 | $4,121-38.5% | $5,056-49.8% | $4,300-41.0% |
| Admin fee / account holder | $514 | $8,048-93.6% | $9,460-94.6% | $6,925-92.6% |