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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 | $71,161 | $76,834-7.4% | $108,359-34.3% | $87,485-18.7% |
| Participation rate | 47.2% | 61.7%-14.5pp | 70.1%-22.9pp | 68.9%-21.7pp |
| Annual return | 11.12% | 19.09%-8.0pp | 36.89%-25.8pp | 26.06%-14.9pp |
| Employer contribution / active EE | $1,461 | $1,556-6.1% | $2,399-39.1% | $2,596-43.7% |
| Participant deferral / active EE | $3,903 | $3,100+25.9% | $4,137-5.7% | $4,274-8.7% |
| Admin fee / account holder | $4,627 | $6,537-29.2% | $9,741-52.5% | $7,775-40.5% |