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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 | $63,816 | $78,015-18.2% | $178,505-64.2% | $80,959-21.2% |
| Participation rate | 44.2% | 65.7%-21.5pp | 77.1%-32.9pp | 67.7%-23.5pp |
| Annual return | 10.49% | 18.10%-7.6pp | 27.16%-16.7pp | 35.67%-25.2pp |
| Employer contribution / active EE | $3,277 | $2,281+43.6% | $3,955-17.1% | $2,757+18.9% |
| Participant deferral / active EE | $1,698 | $4,406-61.5% | $6,280-73.0% | $4,300-60.5% |
| Admin fee / account holder | $2,385 | $7,160-66.7% | $10,428-77.1% | $6,925-65.6% |