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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 | $94,655 | $76,407+23.9% | $150,298-37.0% | $82,448+14.8% |
| Participation rate | 30.8% | 66.4%-35.6pp | 77.8%-47.0pp | 68.1%-37.3pp |
| Annual return | 12.57% | 39.99%-27.4pp | 62.79%-50.2pp | 41.64%-29.1pp |
| Employer contribution / active EE | $758 | $2,614-71.0% | $4,154-81.8% | $2,551-70.3% |
| Participant deferral / active EE | $1,288 | $3,214-59.9% | $5,453-76.4% | $4,139-68.9% |
| Admin fee / account holder | $4,265 | $6,352-32.9% | $14,116-69.8% | $7,234-41.0% |