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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 | $77,346 | $58,057+33.2% | $97,032-20.3% | $86,983-11.1% |
| Participation rate | 48.7% | 60.4%-11.6pp | 71.6%-22.8pp | 69.5%-20.8pp |
| Annual return | 12.43% | 22.26%-9.8pp | 35.38%-22.9pp | 25.83%-13.4pp |
| Employer contribution / active EE | $344 | $1,663-79.3% | $2,629-86.9% | $2,584-86.7% |
| Participant deferral / active EE | $3,823 | $3,244+17.8% | $4,672-18.2% | $4,194-8.8% |
| Admin fee / account holder | $4,558 | $4,839-5.8% | $9,418-51.6% | $7,856-42.0% |