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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 | $78,561 | $57,057+37.7% | $85,009-7.6% | $80,874-2.9% |
| Participation rate | 18.9% | 56.4%-37.4pp | 67.5%-48.6pp | 67.6%-48.7pp |
| Annual return | 9.88% | 21.66%-11.8pp | 66.47%-56.6pp | 35.62%-25.7pp |
| Employer contribution / active EE | $746 | $1,799-58.5% | $2,728-72.6% | $2,756-72.9% |
| Participant deferral / active EE | $1,457 | $3,112-53.2% | $4,522-67.8% | $4,297-66.1% |
| Admin fee / account holder | $3,423 | $4,986-31.4% | $6,153-44.4% | $6,935-50.6% |