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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 | $76,834+10.1% | $108,359-21.9% | $87,485-3.3% |
| Participation rate | 51.4% | 61.7%-10.3pp | 70.1%-18.7pp | 68.9%-17.5pp |
| Annual return | 11.60% | 19.09%-7.5pp | 36.89%-25.3pp | 26.06%-14.5pp |
| Employer contribution / active EE | $1,188 | $1,556-23.7% | $2,399-50.5% | $2,596-54.3% |
| Participant deferral / active EE | $3,765 | $3,100+21.5% | $4,137-9.0% | $4,274-11.9% |
| Admin fee / account holder | $28,112 | $6,537+330.0% | $9,741+188.6% | $7,775+261.6% |