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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 | $72,644 | $81,358-10.7% | $155,556-53.3% | $80,959-10.3% |
| Participation rate | 26.7% | 66.3%-39.6pp | 78.2%-51.6pp | 67.7%-41.0pp |
| Annual return | 10.37% | 33.39%-23.0pp | 64.84%-54.5pp | 35.67%-25.3pp |
| Employer contribution / active EE | $1,026 | $3,106-67.0% | $4,675-78.1% | $2,757-62.8% |
| Participant deferral / active EE | $1,164 | $3,455-66.3% | $5,631-79.3% | $4,300-72.9% |
| Admin fee / account holder | $4,237 | $7,994-47.0% | $15,885-73.3% | $6,925-38.8% |