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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 | $68,788 | $63,082+9.0% | $81,726-15.8% | $79,856-13.9% |
| Participation rate | 51.9% | 67.5%-15.6pp | 72.0%-20.1pp | 69.6%-17.7pp |
| Annual return | 5.83% | 22.66%-16.8pp | 29.49%-23.7pp | 31.71%-25.9pp |
| Employer contribution / active EE | $1,931 | $1,795+7.6% | $4,311-55.2% | $2,471-21.9% |
| Participant deferral / active EE | $4,297 | $2,780+54.6% | $7,108-39.5% | $3,741+14.9% |
| Admin fee / account holder | $1,157 | $4,428-73.9% | $5,160-77.6% | $5,306-78.2% |