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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 | $78,521 | $64,920+20.9% | $103,693-24.3% | $86,983-9.7% |
| Participation rate | 38.7% | 63.6%-24.9pp | 72.6%-33.9pp | 69.5%-30.8pp |
| Annual return | 11.09% | 30.29%-19.2pp | 47.61%-36.5pp | 25.83%-14.7pp |
| Employer contribution / active EE | $1,249 | $2,141-41.6% | $2,920-57.2% | $2,584-51.7% |
| Participant deferral / active EE | $3,257 | $3,241+0.5% | $4,579-28.9% | $4,194-22.3% |
| Admin fee / account holder | $5,599 | $6,191-9.6% | $7,858-28.7% | $7,856-28.7% |