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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 | $67,275 | $106,749-37.0% | $145,433-53.7% | $82,448-18.4% |
| Participation rate | 51.2% | 75.6%-24.5pp | 82.1%-31.0pp | 68.1%-16.9pp |
| Annual return | 14.05% | 27.59%-13.5pp | 66.58%-52.5pp | 41.64%-27.6pp |
| Employer contribution / active EE | $2,295 | $3,444-33.4% | $4,554-49.6% | $2,551-10.0% |
| Participant deferral / active EE | $4,177 | $6,519-35.9% | $7,897-47.1% | $4,139+0.9% |
| Admin fee / account holder | $3,666 | $8,390-56.3% | $13,129-72.1% | $7,234-49.3% |