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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 | $76,351 | $69,444+9.9% | $92,985-17.9% | $87,485-12.7% |
| Participation rate | 41.4% | 63.3%-21.9pp | 69.5%-28.1pp | 68.9%-27.6pp |
| Annual return | 5.07% | 23.85%-18.8pp | 27.99%-22.9pp | 26.06%-21.0pp |
| Employer contribution / active EE | $1,055 | $1,917-45.0% | $2,662-60.4% | $2,596-59.4% |
| Participant deferral / active EE | $2,722 | $3,364-19.1% | $4,377-37.8% | $4,274-36.3% |
| Admin fee / account holder | $1,365 | $6,137-77.8% | $9,463-85.6% | $7,775-82.4% |