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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 | $54,613 | $99,875-45.3% | $146,866-62.8% | $86,983-37.2% |
| Participation rate | 43.2% | 75.8%-32.6pp | 82.5%-39.3pp | 69.5%-26.4pp |
| Annual return | 13.30% | 28.10%-14.8pp | 102.85%-89.6pp | 25.83%-12.5pp |
| Employer contribution / active EE | $1,422 | $3,224-55.9% | $4,425-67.9% | $2,584-45.0% |
| Participant deferral / active EE | $4,228 | $6,322-33.1% | $7,759-45.5% | $4,194+0.8% |
| Admin fee / account holder | $11,895 | $7,838+51.8% | $13,620-12.7% | $7,856+51.4% |