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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 | $73,080 | $47,848+52.7% | $81,473-10.3% | $70,126+4.2% |
| Participation rate | 30.4% | 58.3%-27.8pp | 68.0%-37.5pp | 69.5%-39.1pp |
| Annual return | 10.45% | 27.25%-16.8pp | 38.78%-28.3pp | 73.15%-62.7pp |
| Employer contribution / active EE | $679 | $1,527-55.6% | $2,568-73.6% | $2,343-71.0% |
| Participant deferral / active EE | $1,209 | $2,453-50.7% | $3,537-65.8% | $3,332-63.7% |
| Admin fee / account holder | $1,582 | $3,145-49.7% | $4,561-65.3% | $4,645-65.9% |