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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 | $66,388 | $57,541+15.4% | $95,759-30.7% | $75,177-11.7% |
| Participation rate | 39.2% | 62.5%-23.3pp | 72.3%-33.1pp | 67.2%-28.0pp |
| Annual return | 12.32% | 34.93%-22.6pp | 28.42%-16.1pp | 160.75%-148.4pp |
| Employer contribution / active EE | $604 | $1,808-66.6% | $2,836-78.7% | $2,671-77.4% |
| Participant deferral / active EE | $1,480 | $3,074-51.9% | $4,244-65.1% | $4,126-64.1% |
| Admin fee / account holder | $4,418 | $4,099+7.8% | $5,678-22.2% | $5,651-21.8% |