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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 | $73,596 | $72,027+2.2% | $185,835-60.4% | $79,852-7.8% |
| Participation rate | 37.3% | 65.8%-28.5pp | 78.0%-40.7pp | 69.6%-32.3pp |
| Annual return | 5.56% | 23.13%-17.6pp | 35.96%-30.4pp | 31.72%-26.2pp |
| Employer contribution / active EE | $743 | $1,965-62.2% | $4,087-81.8% | $2,471-69.9% |
| Participant deferral / active EE | $1,334 | $3,780-64.7% | $5,633-76.3% | $3,740-64.3% |
| Admin fee / account holder | $7,340 | $4,513+62.6% | $9,502-22.8% | $5,306+38.3% |