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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 | $65,927 | $95,453-30.9% | $112,040-41.2% | $82,448-20.0% |
| Participation rate | 40.0% | 72.8%-32.8pp | 76.5%-36.5pp | 68.1%-28.1pp |
| Annual return | 12.20% | 23.92%-11.7pp | 24.52%-12.3pp | 41.64%-29.4pp |
| Employer contribution / active EE | $1,052 | $2,318-54.6% | $2,954-64.4% | $2,551-58.7% |
| Participant deferral / active EE | $2,579 | $4,224-38.9% | $5,098-49.4% | $4,139-37.7% |
| Admin fee / account holder | $15,154 | $9,013+68.1% | $12,098+25.3% | $7,234+109.5% |