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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 | $78,975 | $78,015+1.2% | $178,505-55.8% | $80,959-2.5% |
| Participation rate | 37.5% | 65.7%-28.2pp | 77.1%-39.6pp | 67.7%-30.2pp |
| Annual return | 9.23% | 18.10%-8.9pp | 27.16%-17.9pp | 35.67%-26.4pp |
| Employer contribution / active EE | $1,073 | $2,281-52.9% | $3,955-72.9% | $2,757-61.1% |
| Participant deferral / active EE | $2,758 | $4,406-37.4% | $6,280-56.1% | $4,300-35.9% |
| Admin fee / account holder | $4,653 | $7,160-35.0% | $10,428-55.4% | $6,925-32.8% |