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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 | $77,186 | $36,948+108.9% | $73,658+4.8% | $87,485-11.8% |
| Participation rate | 43.1% | 46.8%-3.8pp | 57.0%-14.0pp | 68.9%-25.9pp |
| Annual return | 11.25% | 28.64%-17.4pp | 29.72%-18.5pp | 26.06%-14.8pp |
| Employer contribution / active EE | $99 | $670-85.3% | $1,032-90.4% | $2,596-96.2% |
| Participant deferral / active EE | $1,091 | $1,379-20.9% | $2,062-47.1% | $4,274-74.5% |
| Admin fee / account holder | $586 | $2,531-76.8% | $3,357-82.5% | $7,775-92.5% |