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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 | $92,577 | $95,453-3.0% | $112,040-17.4% | $82,448+12.3% |
| Participation rate | 40.8% | 72.8%-31.9pp | 76.5%-35.7pp | 68.1%-27.3pp |
| Annual return | 11.42% | 23.92%-12.5pp | 24.52%-13.1pp | 41.64%-30.2pp |
| Employer contribution / active EE | $698 | $2,318-69.9% | $2,954-76.4% | $2,551-72.6% |
| Participant deferral / active EE | $3,376 | $4,224-20.1% | $5,098-33.8% | $4,139-18.4% |
| Admin fee / account holder | $12,816 | $9,013+42.2% | $12,098+5.9% | $7,234+77.2% |