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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 | $78,755 | $81,504-3.4% | $102,437-23.1% | $80,959-2.7% |
| Participation rate | 29.4% | 66.9%-37.4pp | 74.5%-45.1pp | 67.7%-38.3pp |
| Annual return | 7.07% | 25.60%-18.5pp | 24.95%-17.9pp | 35.67%-28.6pp |
| Employer contribution / active EE | $1,240 | $3,104-60.0% | $3,871-68.0% | $2,757-55.0% |
| Participant deferral / active EE | $2,080 | $3,871-46.3% | $5,060-58.9% | $4,300-51.6% |
| Admin fee / account holder | $7,708 | $6,719+14.7% | $8,388-8.1% | $6,925+11.3% |