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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 | $79,352 | $72,269+9.8% | $101,271-21.6% | $79,852-0.6% |
| Participation rate | 43.7% | 68.5%-24.8pp | 75.8%-32.1pp | 69.6%-26.0pp |
| Annual return | 9.19% | 22.29%-13.1pp | 46.48%-37.3pp | 31.72%-22.5pp |
| Employer contribution / active EE | $771 | $2,692-71.4% | $3,660-78.9% | $2,471-68.8% |
| Participant deferral / active EE | $4,012 | $3,282+22.3% | $4,371-8.2% | $3,740+7.3% |
| Admin fee / account holder | $8,889 | $4,401+102.0% | $5,948+49.5% | $5,306+67.5% |