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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 | $81,994 | $81,504+0.6% | $102,437-20.0% | $80,959+1.3% |
| Participation rate | 50.0% | 66.9%-16.9pp | 74.5%-24.5pp | 67.7%-17.7pp |
| Annual return | 10.42% | 25.60%-15.2pp | 24.95%-14.5pp | 35.67%-25.3pp |
| Employer contribution / active EE | $1,885 | $3,104-39.3% | $3,871-51.3% | $2,757-31.6% |
| Participant deferral / active EE | $2,452 | $3,871-36.7% | $5,060-51.5% | $4,300-43.0% |
| Admin fee / account holder | $1,081 | $6,719-83.9% | $8,388-87.1% | $6,925-84.4% |