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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 | $72,385 | $72,027+0.5% | $185,835-61.0% | $79,852-9.4% |
| Participation rate | 51.6% | 65.8%-14.2pp | 78.0%-26.4pp | 69.6%-18.0pp |
| Annual return | 11.03% | 23.13%-12.1pp | 35.96%-24.9pp | 31.72%-20.7pp |
| Employer contribution / active EE | $1,818 | $1,965-7.5% | $4,087-55.5% | $2,471-26.4% |
| Participant deferral / active EE | $2,000 | $3,780-47.1% | $5,633-64.5% | $3,740-46.5% |
| Admin fee / account holder | $9,614 | $4,513+113.0% | $9,502+1.2% | $5,306+81.2% |