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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 | $82,674 | $78,682+5.1% | $109,188-24.3% | $85,851-3.7% |
| Participation rate | 44.4% | 68.3%-23.8pp | 75.9%-31.4pp | 69.3%-24.9pp |
| Annual return | 8.71% | 25.09%-16.4pp | 25.76%-17.0pp | 318.63%-309.9pp |
| Employer contribution / active EE | $1,282 | $2,734-53.1% | $3,723-65.6% | $2,565-50.0% |
| Participant deferral / active EE | $3,175 | $3,468-8.4% | $4,654-31.8% | $3,952-19.7% |
| Admin fee / account holder | $794 | $5,470-85.5% | $6,755-88.2% | $6,261-87.3% |