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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 | $83,497 | $95,453-12.5% | $112,040-25.5% | $82,448+1.3% |
| Participation rate | 52.6% | 72.8%-20.1pp | 76.5%-23.9pp | 68.1%-15.4pp |
| Annual return | 12.13% | 23.92%-11.8pp | 24.52%-12.4pp | 41.64%-29.5pp |
| Employer contribution / active EE | $1,435 | $2,318-38.1% | $2,954-51.4% | $2,551-43.8% |
| Participant deferral / active EE | $2,738 | $4,224-35.2% | $5,098-46.3% | $4,139-33.9% |
| Admin fee / account holder | $21,702 | $9,013+140.8% | $12,098+79.4% | $7,234+200.0% |