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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 | $73,057 | $97,550-25.1% | $120,344-39.3% | $87,485-16.5% |
| Participation rate | 50.0% | 72.8%-22.8pp | 76.7%-26.7pp | 68.9%-18.9pp |
| Annual return | 11.54% | 18.41%-6.9pp | 20.30%-8.8pp | 26.06%-14.5pp |
| Employer contribution / active EE | $953 | $2,291-58.4% | $3,020-68.5% | $2,596-63.3% |
| Participant deferral / active EE | $2,616 | $4,230-38.1% | $5,135-49.0% | $4,274-38.8% |
| Admin fee / account holder | $11,111 | $9,543+16.4% | $12,742-12.8% | $7,775+42.9% |