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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 | $71,818 | $93,617-23.3% | $135,982-47.2% | $75,177-4.5% |
| Participation rate | 47.4% | 75.2%-27.8pp | 81.9%-34.5pp | 67.2%-19.8pp |
| Annual return | 15.09% | 30.89%-15.8pp | 68.32%-53.2pp | 160.75%-145.7pp |
| Employer contribution / active EE | $1,959 | $3,538-44.6% | $4,859-59.7% | $2,671-26.7% |
| Participant deferral / active EE | $3,274 | $6,406-48.9% | $7,760-57.8% | $4,126-20.7% |
| Admin fee / account holder | $3,647 | $6,980-47.7% | $10,767-66.1% | $5,651-35.5% |