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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 | $74,355 | $60,349+23.2% | $74,184+0.2% | $62,881+18.2% |
| Participation rate | 57.4% | 72.7%-15.3pp | 76.6%-19.2pp | 69.3%-11.9pp |
| Annual return | 3.49% | 21.38%-17.9pp | 17.74%-14.2pp | 20.14%-16.7pp |
| Employer contribution / active EE | $401 | $1,680-76.2% | $2,370-83.1% | $2,281-82.4% |
| Participant deferral / active EE | $3,340 | $2,856+16.9% | $3,550-5.9% | $3,203+4.3% |
| Admin fee / account holder | $1,718 | $4,261-59.7% | $5,586-69.2% | $4,296-60.0% |