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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 | $73,722 | $106,749-30.9% | $145,433-49.3% | $82,448-10.6% |
| Participation rate | 56.6% | 75.6%-19.0pp | 82.1%-25.5pp | 68.1%-11.4pp |
| Annual return | 12.18% | 27.59%-15.4pp | 66.58%-54.4pp | 41.64%-29.5pp |
| Employer contribution / active EE | $1,851 | $3,444-46.3% | $4,554-59.4% | $2,551-27.5% |
| Participant deferral / active EE | $5,421 | $6,519-16.8% | $7,897-31.4% | $4,139+31.0% |
| Admin fee / account holder | $5,714 | $8,390-31.9% | $13,129-56.5% | $7,234-21.0% |