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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 | $68,586+2.7% | $120,380-41.5% | $80,911-13.0% |
| Participation rate | 48.0% | 61.6%-13.6pp | 71.9%-23.9pp | 67.6%-19.6pp |
| Annual return | 10.17% | 23.62%-13.4pp | 107.28%-97.1pp | 35.63%-25.5pp |
| Employer contribution / active EE | $938 | $2,053-54.3% | $3,465-72.9% | $2,756-66.0% |
| Participant deferral / active EE | $3,076 | $3,174-3.1% | $4,992-38.4% | $4,297-28.4% |
| Admin fee / account holder | $820 | $5,733-85.7% | $9,421-91.3% | $6,935-88.2% |