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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 | $62,147 | $81,262-23.5% | $155,602-60.1% | $80,911-23.2% |
| Participation rate | 44.1% | 66.2%-22.2pp | 78.2%-34.1pp | 67.6%-23.6pp |
| Annual return | 8.89% | 33.34%-24.5pp | 64.81%-55.9pp | 35.63%-26.7pp |
| Employer contribution / active EE | $1,120 | $3,102-63.9% | $4,675-76.0% | $2,756-59.4% |
| Participant deferral / active EE | $3,120 | $3,451-9.6% | $5,629-44.6% | $4,297-27.4% |
| Admin fee / account holder | $8,072 | $7,992+1.0% | $15,923-49.3% | $6,935+16.4% |