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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 | $77,605 | $83,485-7.0% | $125,195-38.0% | $72,976+6.3% |
| Participation rate | 56.8% | 73.3%-16.5pp | 79.8%-23.0pp | 69.5%-12.7pp |
| Annual return | 14.70% | 25.77%-11.1pp | 43.79%-29.1pp | 81.02%-66.3pp |
| Employer contribution / active EE | $1,291 | $2,346-44.9% | $3,866-66.6% | $2,440-47.1% |
| Participant deferral / active EE | $2,237 | $3,586-37.6% | $4,937-54.7% | $3,608-38.0% |
| Admin fee / account holder | $6,796 | $5,518+23.2% | $9,704-30.0% | $5,124+32.6% |