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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 | $73,638 | $108,825-32.3% | $156,181-52.9% | $82,448-10.7% |
| Participation rate | 54.3% | 72.4%-18.0pp | 78.8%-24.5pp | 68.1%-13.7pp |
| Annual return | 12.06% | 20.59%-8.5pp | 64.87%-52.8pp | 41.64%-29.6pp |
| Employer contribution / active EE | $1,720 | $2,870-40.1% | $4,294-60.0% | $2,551-32.6% |
| Participant deferral / active EE | $3,790 | $4,577-17.2% | $6,132-38.2% | $4,139-8.4% |
| Admin fee / account holder | $17,628 | $9,341+88.7% | $14,586+20.9% | $7,234+143.7% |