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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 | $70,407 | $68,878+2.2% | $120,574-41.6% | $80,935-13.0% |
| Participation rate | 48.0% | 61.7%-13.7pp | 71.9%-23.9pp | 67.7%-19.7pp |
| Annual return | 10.17% | 23.67%-13.5pp | 107.42%-97.3pp | 35.66%-25.5pp |
| Employer contribution / active EE | $938 | $2,065-54.6% | $3,471-73.0% | $2,757-66.0% |
| Participant deferral / active EE | $3,076 | $3,189-3.5% | $4,996-38.4% | $4,299-28.5% |
| Admin fee / account holder | $820 | $5,782-85.8% | $9,445-91.3% | $6,924-88.2% |