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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 | $83,017 | $74,535+11.4% | $100,712-17.6% | $82,637+0.5% |
| Participation rate | 41.0% | 61.2%-20.1pp | 69.3%-28.3pp | 68.1%-27.0pp |
| Annual return | 10.73% | 18.92%-8.2pp | 33.27%-22.5pp | 53.51%-42.8pp |
| Employer contribution / active EE | $694 | $1,503-53.8% | $2,313-70.0% | $2,552-72.8% |
| Participant deferral / active EE | $3,996 | $3,074+30.0% | $4,085-2.2% | $4,126-3.1% |
| Admin fee / account holder | $3,061 | $6,576-53.5% | $9,256-66.9% | $7,339-58.3% |