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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 | $65,224 | $106,524-38.8% | $152,301-57.2% | $87,485-25.4% |
| Participation rate | 57.6% | 75.8%-18.2pp | 82.4%-24.9pp | 68.9%-11.4pp |
| Annual return | 13.97% | 26.89%-12.9pp | 80.50%-66.5pp | 26.06%-12.1pp |
| Employer contribution / active EE | $1,547 | $3,371-54.1% | $4,624-66.5% | $2,596-40.4% |
| Participant deferral / active EE | $3,632 | $6,525-44.3% | $8,004-54.6% | $4,274-15.0% |
| Admin fee / account holder | $2,318 | $8,287-72.0% | $14,398-83.9% | $7,775-70.2% |