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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 | $69,481 | $65,041+6.8% | $90,965-23.6% | $79,858-13.0% |
| Participation rate | 44.7% | 61.6%-16.9pp | 69.0%-24.3pp | 69.6%-25.0pp |
| Annual return | 9.96% | 30.45%-20.5pp | 134.57%-124.6pp | 31.72%-21.8pp |
| Employer contribution / active EE | $643 | $1,247-48.4% | $2,122-69.7% | $2,471-74.0% |
| Participant deferral / active EE | $2,203 | $2,512-12.3% | $3,373-34.7% | $3,740-41.1% |
| Admin fee / account holder | $2,006 | $4,536-55.8% | $5,960-66.3% | $5,306-62.2% |