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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 | $85,039 | $108,825-21.9% | $156,181-45.6% | $82,448+3.1% |
| Participation rate | 36.4% | 72.4%-36.0pp | 78.8%-42.5pp | 68.1%-31.7pp |
| Annual return | 11.18% | 20.59%-9.4pp | 64.87%-53.7pp | 41.64%-30.5pp |
| Employer contribution / active EE | $983 | $2,870-65.7% | $4,294-77.1% | $2,551-61.5% |
| Participant deferral / active EE | $2,311 | $4,577-49.5% | $6,132-62.3% | $4,139-44.2% |
| Admin fee / account holder | $3,819 | $9,341-59.1% | $14,586-73.8% | $7,234-47.2% |