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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 | $72,583 | $101,795-28.7% | $165,100-56.0% | $80,959-10.3% |
| Participation rate | 56.9% | 71.8%-15.0pp | 78.6%-21.8pp | 67.7%-10.8pp |
| Annual return | 10.48% | 16.73%-6.3pp | 70.21%-59.7pp | 35.67%-25.2pp |
| Employer contribution / active EE | $1,434 | $2,954-51.5% | $4,348-67.0% | $2,757-48.0% |
| Participant deferral / active EE | $5,492 | $4,476+22.7% | $6,035-9.0% | $4,300+27.7% |
| Admin fee / account holder | $5,582 | $8,221-32.1% | $12,696-56.0% | $6,925-19.4% |