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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 | $84,593 | $73,787+14.6% | $98,716-14.3% | $82,448+2.6% |
| Participation rate | 51.4% | 61.4%-10.0pp | 69.3%-17.9pp | 68.1%-16.6pp |
| Annual return | 11.60% | 18.57%-7.0pp | 31.81%-20.2pp | 41.64%-30.0pp |
| Employer contribution / active EE | $1,188 | $1,511-21.4% | $2,279-47.9% | $2,551-53.4% |
| Participant deferral / active EE | $3,765 | $3,081+22.2% | $4,048-7.0% | $4,139-9.0% |
| Admin fee / account holder | $28,112 | $6,500+332.5% | $8,703+223.0% | $7,234+288.6% |