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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 | $85,319 | $76,551+11.5% | $123,894-31.1% | $62,881+35.7% |
| Participation rate | 46.2% | 73.0%-26.8pp | 81.4%-35.3pp | 69.3%-23.2pp |
| Annual return | 3.63% | 18.68%-15.0pp | 47.52%-43.9pp | 20.14%-16.5pp |
| Employer contribution / active EE | $826 | $2,882-71.3% | $4,617-82.1% | $2,281-63.8% |
| Participant deferral / active EE | $3,544 | $4,840-26.8% | $5,984-40.8% | $3,203+10.7% |
| Admin fee / account holder | $5,248 | $4,826+8.8% | $8,357-37.2% | $4,296+22.2% |