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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 | $84,246 | $81,487+3.4% | $102,412-17.7% | $80,935+4.1% |
| Participation rate | 25.0% | 66.8%-41.8pp | 74.5%-49.5pp | 67.7%-42.7pp |
| Annual return | 4.27% | 25.60%-21.3pp | 24.94%-20.7pp | 35.66%-31.4pp |
| Employer contribution / active EE | $944 | $3,103-69.6% | $3,870-75.6% | $2,757-65.8% |
| Participant deferral / active EE | $1,954 | $3,871-49.5% | $5,060-61.4% | $4,299-54.5% |
| Admin fee / account holder | $2,425 | $6,717-63.9% | $8,388-71.1% | $6,924-65.0% |