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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 | $73,272 | $76,551-4.3% | $123,894-40.9% | $62,881+16.5% |
| Participation rate | 40.8% | 73.0%-32.2pp | 81.4%-40.6pp | 69.3%-28.5pp |
| Annual return | 5.30% | 18.68%-13.4pp | 47.52%-42.2pp | 20.14%-14.8pp |
| Employer contribution / active EE | $859 | $2,882-70.2% | $4,617-81.4% | $2,281-62.3% |
| Participant deferral / active EE | $2,785 | $4,840-42.4% | $5,984-53.5% | $3,203-13.0% |
| Admin fee / account holder | $1,339 | $4,826-72.3% | $8,357-84.0% | $4,296-68.8% |