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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 | $79,700 | $76,834+3.7% | $108,359-26.4% | $87,485-8.9% |
| Participation rate | 25.8% | 61.7%-35.9pp | 70.1%-44.3pp | 68.9%-43.1pp |
| Annual return | 8.41% | 19.09%-10.7pp | 36.89%-28.5pp | 26.06%-17.7pp |
| Employer contribution / active EE | $626 | $1,556-59.8% | $2,399-73.9% | $2,596-75.9% |
| Participant deferral / active EE | $1,607 | $3,100-48.2% | $4,137-61.2% | $4,274-62.4% |
| Admin fee / account holder | $2,570 | $6,537-60.7% | $9,741-73.6% | $7,775-67.0% |