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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 | $78,879 | $63,156+24.9% | $122,354-35.5% | $62,293+26.6% |
| Participation rate | 38.1% | 60.0%-22.0pp | 71.6%-33.6pp | 69.5%-31.5pp |
| Annual return | 10.15% | 20.61%-10.5pp | 30.28%-20.1pp | 28.90%-18.7pp |
| Employer contribution / active EE | $936 | $1,385-32.4% | $4,051-76.9% | $2,042-54.2% |
| Participant deferral / active EE | $2,100 | $2,321-9.5% | $3,287-36.1% | $3,169-33.7% |
| Admin fee / account holder | $8,554 | $440+1844.6% | $5,479+56.1% | $479+1684.6% |