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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 | $75,523 | $81,331-7.1% | $155,534-51.4% | $80,935-6.7% |
| Participation rate | 22.6% | 66.3%-43.7pp | 78.2%-55.6pp | 67.7%-45.1pp |
| Annual return | 8.36% | 33.37%-25.0pp | 64.92%-56.6pp | 35.66%-27.3pp |
| Employer contribution / active EE | $823 | $3,105-73.5% | $4,675-82.4% | $2,757-70.1% |
| Participant deferral / active EE | $2,171 | $3,454-37.1% | $5,630-61.4% | $4,299-49.5% |
| Admin fee / account holder | $4,240 | $7,999-47.0% | $15,900-73.3% | $6,924-38.8% |