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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 | $75,247 | $81,504-7.7% | $102,437-26.5% | $80,959-7.1% |
| Participation rate | 31.7% | 66.9%-35.1pp | 74.5%-42.8pp | 67.7%-36.0pp |
| Annual return | 9.77% | 25.60%-15.8pp | 24.95%-15.2pp | 35.67%-25.9pp |
| Employer contribution / active EE | $948 | $3,104-69.5% | $3,871-75.5% | $2,757-65.6% |
| Participant deferral / active EE | $2,172 | $3,871-43.9% | $5,060-57.1% | $4,300-49.5% |
| Admin fee / account holder | $3,463 | $6,719-48.5% | $8,388-58.7% | $6,925-50.0% |