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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 | $76,544 | $93,589-18.2% | $135,942-43.7% | $75,181+1.8% |
| Participation rate | 44.4% | 75.2%-30.7pp | 81.9%-37.5pp | 67.2%-22.8pp |
| Annual return | 10.50% | 30.90%-20.4pp | 68.28%-57.8pp | 160.69%-150.2pp |
| Employer contribution / active EE | $1,548 | $3,537-56.2% | $4,858-68.1% | $2,671-42.0% |
| Participant deferral / active EE | $5,422 | $6,405-15.4% | $7,759-30.1% | $4,126+31.4% |
| Admin fee / account holder | $3,509 | $6,977-49.7% | $10,764-67.4% | $5,650-37.9% |