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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 | $72,482 | $65,122+11.3% | $135,792-46.6% | $64,097+13.1% |
| Participation rate | 14.7% | 47.1%-32.4pp | 72.6%-57.9pp | 55.2%-40.5pp |
| Annual return | 8.99% | 14.53%-5.5pp | 25.96%-17.0pp | 34.64%-25.7pp |
| Employer contribution / active EE | $680 | $1,280-46.9% | $3,496-80.6% | $1,891-64.1% |
| Participant deferral / active EE | $1,388 | $2,219-37.4% | $4,759-70.8% | $3,080-54.9% |
| Admin fee / account holder | $1,241 | $3,120-60.2% | $12,266-89.9% | $3,454-64.1% |