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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 | $76,291 | $76,407-0.2% | $150,298-49.2% | $82,448-7.5% |
| Participation rate | 52.6% | 66.4%-13.8pp | 77.8%-25.1pp | 68.1%-15.4pp |
| Annual return | 7.40% | 39.99%-32.6pp | 62.79%-55.4pp | 41.64%-34.2pp |
| Employer contribution / active EE | $1,407 | $2,614-46.2% | $4,154-66.1% | $2,551-44.9% |
| Participant deferral / active EE | $3,408 | $3,214+6.0% | $5,453-37.5% | $4,139-17.7% |
| Admin fee / account holder | $43,216 | $6,352+580.4% | $14,116+206.2% | $7,234+497.4% |