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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 | $69,595 | $48,078+44.8% | $78,676-11.5% | $62,881+10.7% |
| Participation rate | 38.7% | 65.2%-26.5pp | 73.6%-34.9pp | 69.3%-30.6pp |
| Annual return | 3.54% | 31.36%-27.8pp | 62.19%-58.6pp | 20.14%-16.6pp |
| Employer contribution / active EE | $1,280 | $2,015-36.5% | $2,850-55.1% | $2,281-43.9% |
| Participant deferral / active EE | $3,127 | $2,587+20.9% | $3,517-11.1% | $3,203-2.4% |
| Admin fee / account holder | $15,033 | $3,206+368.9% | $4,510+233.3% | $4,296+250.0% |